Planning range
$185,747–$190,751
A practical cash-to-close range based on the assumptions shown. It includes room for ordinary changes in prorations and third-party fees.
Keep funds above the high estimate available.
Estimate your down payment, lender charges, title costs, government fees, professional services, and prepaid expenses in one clear plan.
Planning location
California
Estimated cash to close
$188,021
Down payment plus modeled closing costs, less credits and deposits already paid. Keep a cushion for final lender disclosures and prorations.
Where the money goes
Cost summary
Planning range
A practical cash-to-close range based on the assumptions shown. It includes room for ordinary changes in prorations and third-party fees.
Enhanced state model
The calculator applies California's base county documentary-transfer-tax formula only when the contract assigns some transfer tax to the buyer. City taxes and allocation can differ.
Editable planning assumptions—not a quote, tax return, or Closing Disclosure.
Statutory calculations use the transaction details entered above. Lender, title, insurance, inspection, attorney, appraisal, prepaid and local charges remain editable estimates.
Next best move
Review the lender's Loan Estimate and final Closing Disclosure against this plan before you commit.
Questions, answered
Cash to close combines the down payment and estimated buyer closing costs, then subtracts applicable credits and deposits already paid. Your lender's final Closing Disclosure controls.
No. Allocation depends on state and local practice and the purchase contract. This calculator defaults common seller-side transfer taxes to the seller and lets you model a split or buyer allocation.
New York mortgage recording taxes vary by county, loan amount, and property type. New York City thresholds and buyer-paid mansion taxes can also materially change the estimate.
No. Statutory items are calculated from the information entered where supported; lender, title, attorney, inspection, insurance, recording, escrow, and local charges remain editable planning estimates.