Down Payment & Closing Cost Calculator
Know exactly how much cash you need at the table.
Plan your upfront cash with precision—down payment options, closing costs, and prepaid escrow—so there are no surprises the week of closing.
What this calculator helps you figure out
- Compare 3%, 5%, 10%, and 20% down scenarios
- Estimates closing costs and prepaid items
- Highlights low-down-payment loan programs
Your purchase
$22,500
Title, origination, recording, etc.
Tax + insurance cushion
Compare down payment scenarios
| Down % | Down payment | Loan amount | Cash to close |
|---|---|---|---|
| 3% | $13,500 | $436,500 | $28,238 |
| 5% | $22,500 | $427,500 | $37,238 |
| 10% | $45,000 | $405,000 | $59,738 |
| 20% | $90,000 | $360,000 | $104,738 |
Cash to close
Total cash needed
$37,238
At 5% down on a $450,000 home
Closing costs vary by county, title company, and loan type. Low-down-payment programs (FHA, VA, USDA) may shift these numbers — ask Dylan which fits you.
Why run the numbers with Dylan?
A calculator gives you a snapshot. Dylan gives you a strategy. With access to over 160 lenders, he structures your loan around your real goals — not just a rate quote. Every client gets clear direction, honest answers, and a plan that actually fits their life.