Cash needed to close
Waterfall down payment, taxes, credits, and adjustments to see cash due on closing day.
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Interactive calculator
Cash needed to close
Estimate total funds required on closing including down payment, taxes, insurance, and credits.
How this calculator works
Estimate the total cash required to complete a purchase, including down payment and closing costs.
Use it to plan funds on hand and avoid surprises at closing.
Inputs you will need
- Purchase price
- Down payment amount
- Province and tax adjustments
- Estimated legal and appraisal fees
Assumptions and limitations
- Uses typical fee ranges and tax rates.
- Does not include moving costs unless you add them.
- Insurance premiums are optional inputs.
Example scenarios
First-time buyer estimate
Include rebates and see the reduced cash requirement.
Upgrade purchase
Add legal and appraisal fees to estimate total cash.
Related tools
Turn this purchase result into a plan
Pair the calculator output with the right buyer guide, then pressure-test lender fit, down payment, and closing-day cash before you make an offer.
Guides
Read the Canada-specific playbook before you commit to the next step.
Execution
Use the broker workflow, rates pages, or secure dashboard to move from estimate to action.
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Create a free account to save scenarios, compare options side by side, and share results with your broker team.
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Frequently asked questions
Is cash to close the same as down payment?
No. It includes down payment plus taxes, legal fees, and other adjustments.
Can my lender cover closing costs?
Some programs provide cashback, but terms vary.
Does this include moving costs?
No, but you can add them manually in your budget.