Cash to Close Calculator

Estimate your cash to close and compare up to three scenarios — purchase or refinance, across NJ, PA, DE, MD, VA, and FL.

Property & Transaction

Purchase Refinance

State County / City First-Time Buyer?

Sale Price

Down Payment

Annual Property Tax

Annual Homeowners Insurance

Seller Concession / Lender Credit

Earnest Money Already Paid

Prepaids & Escrow

Days of Prepaid Interest HOI Months Prepaid Tax Escrow Cushion (months) HOI Escrow Cushion (months)

Loan Scenarios

Add up to 3 scenarios to compare side-by-side.

Your Estimate

Purchase · NJ

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This calculator is for illustration purposes only and does not constitute a Loan Estimate under RESPA/TILA. Actual costs depend on credit, property, title work, and current market conditions. Transfer-tax and recording-fee rates verified as of 2026 — confirm with your title company. Terry Kravaris · NMLS 959719 · Movement Mortgage, LLC · NMLS 39179.