Down Payment & Closing Cost Calculator

Closing Details

Home Price $400,000

$50K$2M

Down Payment 20% — $80,000

3%50%

Estimated Closing Costs 3% — $12,000

2%6%

Prepaids / Escrow Reserves $2,500

$0$10K

Closing costs vary by lender and loan type. Divito Lending shops 50+ lenders to keep your closing costs and prepaids as low as possible — often saving buyers thousands at the table.

Cash Needed at Closing

$94,500

Total Cash to Close

Down Payment$80,000 (20%)

Closing Costs$12,000 (3%)

Prepaids / Escrow$2,500

Loan Amount$320,000

Get a Closing Cost Quote → Speak With an Advisor

This calculator provides estimated cash-to-close figures for illustration purposes only. Actual closing costs and prepaids depend on your lender, loan type, property location, and closing date. Contact us for a personalized estimate.

💡 Pro Tips

Closing costs typically run 2%–5% of the purchase price in Florida
Ask the seller for a credit toward closing costs to lower your cash to close
Prepaids cover the first year of homeowners insurance plus tax and insurance reserves
A lower down payment frees up cash, but may add PMI on conventional loans

Lower Your Cash to Close

Calculators Estimate. We Deliver.

This calculator gives you a solid starting point — but your actual closing costs depend on the lender, loan type, and credit you negotiate. We shop 50+ lenders to keep them low.

🏦

50+ Lenders Compared

We shop dozens of lenders simultaneously to find the lowest fees and closing costs for your profile.

📉

Lower Closing Costs

Banks only offer their own fee structures. As a broker, we bring competition to your closing table.

⚡

Pre-Approval in 24 Hours

Know your real cash to close and buying power before you start shopping — fast and at no cost to you.

💬

Real Humans, No Robots

Talk to a licensed mortgage advisor 7 days a week, 9AM–9PM. We answer your calls.

Get My Real Quote →

No credit pull required for pre-qualification

Down Payment & Closing Costs