The costs beyond the listing price.

Before you get the keys

• Down payment: The share of the home price you pay upfront. It is separate from closing costs.
• Closing costs: Lender charges, title services, recording fees, and other costs to complete the purchase. A common planning range is 2–5% of the price; your actual costs may fall outside it.
• Prepaid costs and escrow deposits: Some insurance, interest, and tax money may be collected at closing. Check whether these are included in your estimate.
• Inspection and appraisal: You may pay these before closing. Check how they appear on your final disclosure so you do not count them again.
• Buyer agent fee: Any agreed amount you pay yourself after confirmed seller contributions. Understand your written agreement.

An earnest-money deposit is usually credited toward what you owe at closing. It generally isn’t another fee to add on top. The calculator shows total purchase cash, before subtracting deposits, credits, or amounts already paid.

Your monthly payment—and the extras

Loan principal and interest are only the start. Add property taxes, homeowners insurance, mortgage insurance if applicable, and HOA fees. Those costs can change even if you have a fixed-rate loan.

Utilities, maintenance, repairs, flood insurance if needed, and other costs need a separate budget. The calculator does not include them automatically.

Get the actual numbers in writing

Request Loan Estimates from at least three lenders. Before closing, compare your final Closing Disclosure with the estimate you chose. Ask your closing company how your deposits, credits, and payments already made affect the exact amount you still need to bring.