← Honed Money

Know your cash-to-close before you fall in love.

Add the down payment, closing costs, and prepaid items — minus earnest money — to see the real cash you need at closing, plus the reserves to keep.

The purchase

01 / PRICE
$
%Typical: 3–20%
%Typical: 2–5% of price
Down payment + closing costs$0

Prepaids & offsets

02 / EXTRAS
$
$
$
$
Cash due at closing (net)$0

Your reserves

03 / SAFETY
$
$
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Price the whole doorway.

Enter the home price, your down payment, and the prepaid items to see the cash you actually need at closing.

Last reviewed: October 2026.

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