Cash Needed to Close | Pragmatic Mortgage

Current public data and calculations from Pragmatic Mortgage. Anonymous access; no account required.

calculator

slug: cash-to-close
title: Cash Needed to Close
description: DP, PTT, premiums, taxes and adjustments waterfall.
category: purchase
url: https://pragmatic.mortgage/calculators/cash-to-close
input Schema: { "type": "object", "properties": { "purchasePrice": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "downPayment": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "depositPaid": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "closingCharges": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string", "minLength": 1, "enum": [ "option-a", "option-b", "option-c", "current", "alternative", "legal", "title_insurance", "appraisal", "property_tax_adjustment", "pst_on_premium" ] }, "label": { "type": "string", "minLength": 1, "enum": [ "Option A", "Option B", "Option C", "Current payment", "Current offer", "Alternative offer", "Lender retention", "Market offer", "Prepayment", "Lump sum", "Recurring increase" ] }, "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "category": { "type": "string", "enum": [ "down_payment", "closing_costs", "taxes", "insurance", "prepaids", "adjustments", "credits", "other" ], "default": "other" }, "source": { "type": "string", "enum": [] }, "direction": { "type": "string", "const": "debit" } }, "required": [ "id", "label", "amount", "direction" ], "additionalProperties": false }, "default": [] }, "credits": { "type": "array", "items": { "type": "object", "properties": { "id": { "type": "string", "minLength": 1, "enum": [ "option-a", "option-b", "option-c", "current", "alternative", "legal", "title_insurance", "appraisal", "property_tax_adjustment", "pst_on_premium" ] }, "label": { "type": "string", "minLength": 1, "enum": [ "Option A", "Option B", "Option C", "Current payment", "Current offer", "Alternative offer", "Lender retention", "Market offer", "Prepayment", "Lump sum", "Recurring increase" ] }, "amount": { "anyOf": [ { "type": "number" }, { "type": "string", "pattern": "^-?\\d+(?:\\.\\d+)?$" } ] }, "category": { "type": "string", "enum": [ "down_payment", "closing_costs", "taxes", "insurance", "prepaids", "adjustments", "credits", "other" ], "default": "other" }, "source": { "type": "string", "enum": [] }, "direction": { "type": "string", "const": "credit" } }, "required": [ "id", "label", "amount", "direction" ], "additionalProperties": false }, "default": [] } }, "required": [ "purchasePrice", "downPayment" ], "additionalProperties": false }