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m↗MITEYTHE AMERICAN MORTGAGE ATLASExplore my options ↗

AUSTIN RATE & HOLDING-PERIOD DESK

Your closing day.
Every dollar accounted for.

Build a cash plan from charges, credits and the deposit already paid.

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YOUR DECISION MAP
  1. 01Set your assumptions
  2. 02See the trade-offs
  3. 03Keep, compare or share

41 tools. One connected workspace.

● Private calculations in your browser

Home purchase

Cash-to-close planner

Build the closing budget from actual charges, credits and money already deposited.

Starting values are illustrative scenarios, not local prices, rates, fees or eligibility rules. Enter the figures for your own situation.

YOUR DECISION, IN NUMBERS

METHOD 2026-10-24.3
Remaining cash to close$95,700
Closing charges and prepaids$10,700
Down payment plus closing budget$100,700

A negative value requires settlement-provider reconciliation; it is not a promised refund. Do not double-count earnest money as an additional fee.

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YOUR GOAL FIRST / MITEY

Find a better fit.
For your next move.

Buying, refinancing or financing a business? Tell us what you want to achieve. Ask MITEY to help you understand the options, costs and next steps worth comparing.

01 · AI-assisted, source-linked research02 · Compare the whole cost, beyond the rate03 · Free tools, no credit check to enquire

We aim to help you seek competitive terms. Rates and options depend on the provider, product and your circumstances. A request is not a loan application, approval or guaranteed rate. Any provider introduction requires confirmed availability and your permission.

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About: Cash-to-close planner · Austin

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ONE PLAN / YOUR NEXT QUESTION

Keep your plan
moving.

Review what carries across, then continue in another tool. The remaining values are examples to check.

Runs on this device. No enquiry is sent and no plan is automatically saved.

A SMALL CHANGE / A DIFFERENT VIEW

Add a $2,000 closing buffer

Remaining cash to close

Current scenario$95,700
Changed assumption$97,700

One assumption changes; everything else stays the same. This is a stress scenario, not a forecast.

READ THE RESULT

What the numbers are telling you.

  1. Earnest money is money already paid toward the transaction, not a second fee.
  2. Prepaid expenses and initial escrow funding can be substantial even when lender fees are low.
  3. A negative result needs reconciliation with the settlement provider; it is not a promised refund.
A GOOD QUESTION

Is cash to close just the down payment?

No. Add lender/settlement charges, prepaids and other costs, then account for credits and the earnest money already paid. Use the final Closing Disclosure for the actual transaction.

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YOUR COMPARISON TABLE

Keep the possibilities
side by side.

Save up to eight scenarios on this device. Each retains its own tool and assumptions; outputs from different methods are labeled separately. Download a plan before moving to another browser or independent portal.

No scenarios saved on this device yet.

OPEN METHODS / BETTER QUESTIONS

Understand what the number means.

The calculation

Down payment + entered charges/prepaids − credits − earnest money.

Before acting on the result

A negative value requires settlement-provider reconciliation; it is not a promised refund. Do not double-count earnest money as an additional fee.

Use actual property documents, matching lender estimates and qualified advice where needed. No calculator, API or MCP tool here issues an approval or guarantees a rate.

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