Payment & Cash to Close Planner

50 states + Washington, D.C.

Purchase & refinance closing-cost planner

Select the transaction and state. State benchmarks and transfer-tax references populate automatically and remain editable for a title-company or lender quote.

Transaction

State

Purchase price / property value

Loan amount

Down payment

Interest rate %

Term

Annual property taxes

Annual homeowners insurance

Monthly mortgage insurance

Monthly HOA

State-average closing cost benchmark

Estimated buyer transfer / deed tax

State/local mortgage or recording tax adjustment

Prepaids + initial escrow

Earnest money / prior deposit

Seller / lender credits

Projected monthly payment

Principal & interest$0

Property taxes$0

Homeowners insurance$0

Mortgage insurance$0

HOA$0

Estimated cash to close

Down payment$0

Closing-cost benchmark$0

Buyer transfer / deed tax$0

Other state/local tax adjustment$0

Prepaids / escrow$0

Deposits + credits-$0

Planning summary

Loan amount$0
Interest rate
Estimated total payment

Estimated closing costs + taxes
Estimated cash to close
Prepared for planningDemo Realtor

Planning estimate only: This is not a Loan Estimate, Closing Disclosure, tax opinion, approval, rate lock or commitment to lend. State averages are planning benchmarks. Transfer, mortgage, recordation and local taxes can depend on county/city, price tier, exemptions, property type and who pays under the contract. Refinance taxes differ from purchase taxes. Confirm actual charges with the lender/title or settlement provider.