Free home-buying closing cost worksheet (U.S.)

Use this worksheet to estimate cash-to-close before you submit an offer. It is built for first-time U.S. buyers and designed so you can copy/paste into Notes, Google Docs, or a spreadsheet.

How to use (3 steps)

  1. Fill in your lender quote and local fee estimates.
  2. Add a 5% to 10% safety buffer for unknowns.
  3. Validate that your post-close emergency fund is still intact.

Copy/paste worksheet template

PURCHASE + LOAN BASICS
- Purchase price: $
- Down payment: $
- Loan amount: $
- Interest rate (%):
- Loan term (years):

LENDER + CLOSING FEES
- Origination / lender fees: $
- Appraisal: $
- Credit report: $
- Title services + title insurance: $
- Attorney / settlement / escrow fee: $
- Recording fee: $
- Transfer tax / stamps (if applicable): $

PREPAIDS + RESERVES
- Prepaid interest: $
- Homeowners insurance (prepaid): $
- Property tax (prepaid): $
- Initial escrow deposit: $
- HOA setup / transfer fee (if applicable): $

MOVE-IN + IMMEDIATE COSTS
- Moving costs: $
- Immediate repairs / safety fixes: $
- Basic furniture / appliances: $

TOTALS
- Estimated cash-to-close (sum above): $
- Recommended safety buffer (5% to 10%): $
- Total cash needed today: $
- Emergency fund remaining after close: $

MONTHLY HOUSING CHECK
- Principal + interest: $
- Property tax (monthly): $
- Homeowners insurance (monthly): $
- PMI (if applicable): $
- HOA (if applicable): $
- Estimated monthly total (PITI + PMI + HOA): $

Next step (5 minutes)

Fill your first cash-to-close draft, add a 5–10% buffer, then verify your monthly payment in the calculator before locking your offer budget.

Open the first-time buyer mortgage calculator

Quick FAQ

  • What should I include besides down payment in cash-to-close? Include lender fees, title and settlement costs, prepaids, escrow funding, and a moving/repair buffer.
  • How much safety buffer should I add to the worksheet total? A practical starting range is about 5% to 10% to absorb local fee variance and last-mile changes.
  • When should I verify worksheet numbers with my lender? Verify early and re-check near closing, because taxes, insurance, and lender figures can shift.

Related pages

Official resources (U.S.)

Educational only; not legal, tax, or financial advice.