Fill in your numbers to see the total cash a home purchase actually requires. Rates and rules reflect July 2026 (Freddie Mac 30-yr ≈ 6.58%). Educational only — your lender's Loan Estimate is the authoritative figure.
1 · The purchase
Home purchase price
Down payment %
3% conv · 3.5% FHA · 5% · 10% · 20%
Down payment amount
price × down payment %
Loan amount
price − down payment
2 · Cash due at closing
Down payment (from above)
Closing costs
CFPB: 2%–5% of price
− Earnest money already paid
1%–3%, credited back to you
− Seller / lender credits
Cash to close
3 · Keep in reserve (after closing)
Cash reserves
months of full payment (PITI); investment property = 6 mo
First-year maintenance
rule of thumb ≈ 1% of home value / year
Moving + immediate furnishings
Total cash needed (close + reserve)
Sources: Down-payment minimums — Fannie Mae (3%) and HUD/FHA (3.5% at 580+ FICO). Closing costs 2%–5% — Consumer Financial Protection Bureau. Reserve requirements — Fannie Mae Selling Guide B3-4.1-01. Rate — Freddie Mac PMMS, week of July 23, 2026.