Quick Answer
Your cash to close is the bottom-line number on your Closing Disclosure, not just your down payment. It typically arrives by cashier's check or wire, and your lender or title company will confirm the exact amount a few days before closing.
- Includes
- Down payment, closing costs, and prepaids
- Minus
- Credits and earnest money already paid
- Where it's confirmed
- Your Closing Disclosure
- How it's paid
- Wire or cashier's check, per your title company
How Cash to Close Is Calculated
Start with your down payment, then add closing costs like lender fees, title charges, and prepaid items such as homeowners insurance and property tax reserves. Subtract any seller credits and the earnest money you already put down, and what is left is your cash to close.
Your final number can shift slightly from your Loan Estimate as real invoices and prorations come in, which is why the Closing Disclosure is the figure to trust.
Getting the Funds There Safely
Most title companies require a wire transfer or cashier's check rather than a personal check for cash to close. Always confirm wiring instructions by phone using a number you already have on file, never one from an email alone.
Our agents walk buyers through this step so the funds arrive on time and safely, with no last-minute scrambling.
Questions About Your Situation?
We'll walk you through it in plain English — no pressure, no obligation.
Frequently Asked Questions — Cash to close
Is cash to close the same as my down payment?
No. It includes the down payment plus closing costs and prepaids, minus credits and earnest money already paid.
When do I find out the exact amount?
Your Closing Disclosure, issued at least three business days before closing, shows the final figure.
Can I pay cash to close with a personal check?
Most title companies require a wire or cashier's check above a small threshold, so confirm their preferred method.
What if I don't have enough cash to close?
Talk to your lender early about seller concessions, gift funds, or down payment assistance options.