Quick answer
Cash to close is the amount you must pay at closing: your down payment plus closing costs, minus money you’ve already paid, such as the earnest money deposit, and any credits from the lender or seller. It appears on page 1 of the Loan Estimate and the Closing Disclosure, and the Closing Disclosure shows the full calculation on page 3.
Key facts
From price to cash to close
| Line | Amount |
|---|---|
| Down payment (10%) | $36,000 |
| Closing costs at 2% of the price | $7,200 |
| Earnest money already paid (1% in this example) | −$3,600 |
| Seller credit toward closing costs | −$3,000 |
| Cash to close | $36,600 |
The deposit is subtracted because you’ve already paid it, but it still counts toward the purchase. The CFPB says you’ll typically pay the balance by cashier’s check or wire transfer; ask your closing agent which they accept, and confirm any wiring instructions with them by phone.
Why the figure moves
The Loan Estimate shows an estimated cash to close. It changes if closing costs shift, the closing date changes the prepaid interest, or you renegotiate credits after an inspection. On the Closing Disclosure, which arrives at least 3 business days before closing, the “Calculating Cash to Close” table puts the Loan Estimate figure next to the final one and flags each line that changed. Estimate yours with the closing cost calculator.
Related terms
Sources
- US Census Bureau, American Community Survey 2024 1-year — Median value of owner-occupied homes (2024 ACS 1-year)
- CFPB — Typical closing costs, low end (share of purchase price) (Oct 28, 2026)
- CFPB — You receive the Closing Disclosure at least this many business days before closing (Oct 28, 2026)
- CFPB: Loan Estimate explainer
Last reviewed Figures are checked against the sources above. Read our editorial policy. This page is general information, not financial advice — see the disclaimer.