Down Payment & Closing Cost Calculator
Plan the cash you need for a down payment, closing fees, prepaids, and reserves.
Preparing your calculator…
MansionMath provides estimates for educational purposes. Actual loan terms, taxes, insurance, fees, investment returns, and eligibility may vary.
How this calculator works
Cash required = down payment + estimated closing fees + prepaids + loan points + retained cash reserves. Closing fees are a percentage of home price. Points are a percentage of the loan balance. Avoid double counting costs in your closing-cost percentage.
Use current quotes, local rates, and measured dimensions to make this estimate useful for your situation.
Frequently asked questions
How do I use the down payment & closing cost calculator?+
Enter your measurements or financial assumptions above. Results update instantly. A $400,000 purchase with 10% down, 3% closing fees, $3,000 prepaids, and $10,000 reserves requires $65,000, before any discount points.
How accurate is this estimate?+
Estimates use the inputs you supply. Actual lender terms, fees, insurance, taxes, and eligibility vary. Compare quotes and verify local costs before committing.