Free first-time buyer tool
Plan the cash required before closing day.
Build a working estimate of money due at different stages, then replace assumptions with your lender’s Loan Estimate and the actual contract.
Plan your cash before and at closing
These starting numbers are an example, not a quote. Replace them with your lender’s estimates. This planner assumes you pay inspections and appraisal before closing; leave them out of “costs due at closing” to avoid counting them twice.
- Inspection and appraisal before closing
- $1,400
- Earnest money already deposited
- $5,000
- Total purchase cash in this plan
- $32,900
Credit eligibility and limits depend on your loan and transaction. Use your Loan Estimate and final Closing Disclosure to confirm amounts and timing. Read the CFPB’s Closing Disclosure guide.
Talk through this cash plan with Kyle
What this estimate can—and cannot—do.
It helps organize likely categories of cash. It cannot determine loan eligibility, exact escrow amounts, credit limits, contract obligations or final settlement figures.
Read the cash guide and worked examples →
Ask your lender for side-by-side Loan Estimates, keep inspection and moving money available before closing, and preserve an emergency reserve after the purchase.
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You don’t need a finished budget. Start with the payment or upfront costs you’re trying to understand.
I can help you buy a home and put this research to work—from your search to the keys.