Buyer net sheet

See the cash you'll need at closing: down payment, lender and title fees, prepaid interest, insurance and escrow, less the seller's tax credit and other credits.

The home and the loan

Property address (to look up the real tax)

Home price ($)

Loan type

Down payment (%)

Or down payment ($)

Interest rate (%)

Loan term

VA loans: funding fee

VA: exempt from the funding fee (for example, VA disability compensation)

Today's average: 7.218% (30-year fixed, conventional), as of Oct 27, 2026. Source: Optimal Blue Mortgage Market Indices, via FRED (St. Louis Fed). Your rate depends on your credit and lender.

Closing, taxes and insurance

Estimated closing date

Property taxes per year ($)

Taxes paid through

Home insurance per year ($)

HOA per month ($)

Ohio taxes are paid in arrears, so the seller credits the buyer for the unpaid taxes up to closing.

Fees and credits

Lender fees ($)

Title fees, buyer share ($)

Seller credit ($)

Earnest money paid ($)

Leave the fees blank to use the office's schedule, or type your lender's or title company's quote.

Other costs or credits

Line item 1

Amount ($)

Type

Line item 2

Amount ($)

Type

Line item 3

Amount ($)

Type

Enter the home price to see the estimated cash to close.

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