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Diane Hibbs
Strategic Real Estate Advisor

Buyer Tool

Buyer Cash to Close Estimator

Closing costs catch nearly every buyer off guard. This tool estimates the total cash you will need at closing, not just the down payment, so there are no surprises on settlement day.

This is an estimate, not an exact quote. Your actual costs will vary based on lender, property, and timing.

About Your Purchase

Start with the basics. Everything stays in your browser.

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Lake Houston median ranges $350K to $500K

Down Payment Assistance Is Not Just for First-Time Buyers

Many Texas buyers qualify for down payment assistance programs they never knew existed. Income limits are often higher than people expect, and programs are available for repeat buyers, not just first-timers. It costs nothing to check.

Check for Assistance

Estimated Costs

Adjust these to match your scenario. Defaults reflect typical Lake Houston area ranges.

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Origination, credit report, processing. Typical: 0.5% to 1%

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Settlement, recording, escrow, notary. Typical: 0.5% to 1%

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Appraisal, home inspection, survey. Typical: $1,000 to $2,500

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Months of taxes/insurance + prepaid interest. Typical: 1% to 2%

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Transfer fee + capital contribution. Typical: $0 to $1,500

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Post-NAR-settlement: buyer may owe this if seller does not cover it

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This tool provides estimates for educational purposes only. Actual closing costs depend on your lender, title company, property, and timing. Consult your mortgage professional for exact figures. This is not a loan estimate or closing disclosure as defined by TILA-RESPA.