🧮 Free agent tool

Buyer cash-to-close calculator

Down payment, closing costs, prepaids and the monthly payment for your buyer — Conventional, FHA, VA or cash, with Houston-area defaults. Download a branded PDF for your client.

The deal

Buyer name Property address

Purchase price Loan type

Down payment % Interest rate %

Loan term (years) Closing date

PMI, % a year

Taxes, insurance & HOA

Property tax rate % Homeowner's insurance / year

HOA dues / month HOA transfer & resale cert

Closing costs

Lender fees (origination, underwriting) Discount points (% of loan)

Appraisal Credit report & verifications

Lender's title policy & endorsements Escrow / closing fee (buyer's half)

Survey Recording, tax cert & courier

Other fees Buyer brokerage fee paid by buyer

Prepaids & escrow deposit

Prepaid interest (days) Insurance paid up front (months)

Tax reserves (months) Insurance reserves (months)

Credits & money already paid

Seller-paid closing costs Lender credit

Earnest money Option fee

Cash to close$0due at the closing table, after the earnest money and option fee

Monthly payment$0

Estimates only — not a Loan Estimate. Your buyer's lender and title company give the official numbers. Defaults are typical for the Houston area; change any of them.