Free home-buying closing cost worksheet (U.S.)

Use this worksheet to estimate cash-to-close before you submit an offer. It is built for first-time U.S. buyers and designed so you can copy/paste into Notes, Google Docs, or a spreadsheet.

How to use (3 steps)

1. Fill in your lender quote and local fee estimates.
2. Add a 5% to 10% safety buffer for unknowns.
3. Validate that your post-close emergency fund is still intact.

Copy/paste worksheet template

PURCHASE + LOAN BASICS
- Purchase price: $
- Down payment: $
- Loan amount: $
- Interest rate (%):
- Loan term (years):

LENDER + CLOSING FEES
- Origination / lender fees: $
- Appraisal: $
- Credit report: $
- Title services + title insurance: $
- Attorney / settlement / escrow fee: $
- Recording fee: $
- Transfer tax / stamps (if applicable): $

PREPAIDS + RESERVES
- Prepaid interest: $
- Homeowners insurance (prepaid): $
- Property tax (prepaid): $
- Initial escrow deposit: $
- HOA setup / transfer fee (if applicable): $

MOVE-IN + IMMEDIATE COSTS
- Moving costs: $
- Immediate repairs / safety fixes: $
- Basic furniture / appliances: $

TOTALS
- Estimated cash-to-close (sum above): $
- Recommended safety buffer (5% to 10%): $
- Total cash needed today: $
- Emergency fund remaining after close: $

MONTHLY HOUSING CHECK
- Principal + interest: $
- Property tax (monthly): $
- Homeowners insurance (monthly): $
- PMI (if applicable): $
- HOA (if applicable): $
- Estimated monthly total (PITI + PMI + HOA): $
      

Related pages

• First-time home buyer mortgage calculator
• Closing costs checklist for first-time buyers
• How to compare mortgage offers (APR, PITI, cash-to-close)
• Mortgage offer comparison template (U.S.)

Official resources (U.S.)

• CFPB – Owning a Home
• HUD – Buying a home

Educational only; not legal, tax, or financial advice.