The short answer
Cash to close is the total you bring to closing: your down payment plus closing costs and prepaid items, minus any credits such as your earnest money deposit or seller credits.
Reviewed by Jennifer Reich, Branch Manager, NMLS 162239 · Last reviewed October 16, 2026
The pieces of cash to close
| Item | What it is |
|---|---|
| Down payment | Purchase price minus loan amount |
| Closing costs | Lender, appraisal, title, recording, and other fees |
| Prepaids | Upfront homeowners insurance, interest, and property tax |
| Initial escrow deposit | Funds to start your escrow account for taxes and insurance |
| Credits | Earnest money, seller credits, or lender credits that reduce what you bring |
Where to find your numbers
Your Loan Estimate shows estimated cash to close within three business days of applying. Your Closing Disclosure, provided at least three business days before closing, shows final figures. Compare them and ask Jennifer about any differences.
Wire fraud warning
Always verify wiring instructions by calling your title company at a known phone number. Never trust wiring instructions received only by email.