Cash Needed to Close Calculator
Know exactly how much capital you need before making an offer.
Property & Loan Details
Total Cash Needed
$69,500
After earnest money credit
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Investment Disclaimer
This calculator is for informational and educational purposes only. Results are estimates based on your inputs and do not constitute investment advice. Real estate investing involves risk, including potential loss of principal. Read full disclaimer
Why Cash to Close Matters
Understanding your total cash requirements before making an offer is crucial for real estate investors. Many deals fall through because buyers underestimate the capital needed, leading to financing issues at closing.
This calculator accounts for all major cash requirements: down payment, closing costs, prepaids, due diligence costs, and recommended reserves. For investment properties, lenders typically require 20-25% down, higher than owner-occupied properties.
What's Included in This Calculator
- Down payment based on your financing terms
- Estimated closing costs (lender fees, title, escrow)
- Prepaids for taxes, insurance, and interest
- Due diligence costs (inspection, appraisal)
- Repair and renovation budget
- Cash reserves for unexpected expenses
Common Mistakes Investors Make
1. Forgetting prepaids
Taxes and insurance are often prorated and due at closing.
2. Underestimating repairs
Always get contractor estimates before finalizing your budget.
3. No reserves
HVAC failures, vacancies, and unexpected repairs can wipe out returns without adequate reserves.