Buyer's Net Sheet Calculator
Estimate your total cash needed at closing — adjust any field to match your transaction
Purchase Details
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Days remaining in closing month
Leave blank to auto-estimate 1.25%
Lender Fees
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FHA Upfront MIP (1.75% of loan)
$0
VA Funding Fee (2.15% of loan — first use, 0% down)
$0
USDA Upfront Guarantee Fee (1.0% of loan)
$0
Lender Subtotal
$0
Title & Escrow Fees
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Auto-calculated or enter custom
Title & Escrow Subtotal
$0
Prepaid Items & Reserves
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Homeowner's Insurance (1 year)
$0
HOI Reserve (2 months)
$0
Prepaid Interest (15 days)
$0
Property Tax Reserve (3 months)
$0
Prepaids Subtotal
$0
Additional Costs
▾
Additional Subtotal
$0
Credits & Concessions
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Total Credits
$0
Disclaimer: This calculator provides an estimate only. Actual closing costs will vary based on lender, location, loan type, and transaction specifics. Always consult with your lender and escrow officer for final figures.
Estimated Cash to Close
Updates automatically as you enter values
Purchase Price
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Down Payment
—
Loan Amount
—
Lender Fees
$0
Title & Escrow
$0
Prepaid Items
$0
Additional Costs
$0
Total Closing Costs
$0
Less: Seller Concessions
— $0
Less: Lender Credits
— $0
Less: Earnest Money
— $0
Estimated Cash to Close
—
Down payment + closing costs − credits