Cash to Close
Cash to close is the total amount a buyer must bring to the closing table, including the down payment, closing costs, and prepaids, minus any credits and earnest money.
What Cash to Close means
It is the single most important number for budgeting a purchase. The Closing Disclosure states the exact cash to close at least three business days before closing. Seller credits, lender credits, and your deposit all reduce it.
Florida example
A Tampa buyer's cash to close was $42,500: a $35,000 down payment plus $11,000 in costs and prepaids, reduced by a $3,500 earnest deposit already paid.
What it is
Cash to close is the total money you bring to closing. It includes your down payment, closing costs, and prepaid items, minus any credits.
It is the final number you pay at the table.
Why it matters
Knowing your cash to close early lets you plan and save. Seller credits and lender credits can lower it.
We give you a clear cash-to-close figure up front. Reach out and we will help you plan for it.
Related program: Learn more →
Verify the details for your own situation against these government and agency sources: Florida Housing homebuyer programs and CFPB Owning a Home guide.