Triad Home Buying Tools

Cash to Close Calculator

The number that actually matters before you write an offer: how much money you’ll really need in the bank on closing day — down payment, closing costs, and prepaids, minus your credits.

The offer amount
$
% of price, or a dollar amount
%
$
Loan, appraisal, title, attorney ≈ 2–3%
%
$
Insurance + tax escrow + prepaid interest
$
Credits toward your cash (earnest, concessions, lender)
Already paid
$
Toward your costs
$
Rate-buy trade-off
$
Estimated cash to close
$47,250
to buy a $350,000 home
Cash to close$47,250
Down payment$35,000
Closing costs$8,750
Prepaids & reserves$4,500
Credits applied-$1,000
$315,000Loan amount
10%Down
$48,250Before credits

Get a real, line-by-line cash-to-close estimate for a specific home — a Mantle buyer’s agent and our preferred lenders will nail down your exact numbers.

Talk to a Mantle Buyer’s Agent → See your monthly payment →

Estimates are for planning only. Actual cash to close is set by your lender’s Loan Estimate and Closing Disclosure and depends on loan type, exact closing date, lender and title fees, appraisal, prepaid interest, homeowners insurance, property-tax and insurance escrow reserves, NC recording fees, HOA dues, and any seller or lender credits negotiated in your contract. Mantle Realty is not a mortgage lender and does not provide legal, tax, or lending advice. Not a loan commitment, pre-approval, or guarantee of terms.