The price is not the cost. This sheet shows every dollar you need to close, then your full monthly payment. County-accurate customs, so your cash to close is real, not a national guess.
Free. No sign-up. Change any number and watch the sheet update.
Percent of price.
Percent, 30-year fixed.
Selling a home first? Your walk-away money from that sale usually becomes this down payment. Not sure of your number? Get your equity report, free.
Who pays what changes at the county line. The sheet follows local custom.
Percent of price.
Percent of price.
Since August 2024 you sign an agreement with your own agent naming this fee before you tour a home. Whether the seller covers it is negotiated in your offer, not posted on the listing. Both numbers come from your paperwork. Fees are set between you and your agent, never by law, an association, or us.
What are seller credits?
No lender yet? Call Kurt at 805-796-1793 or work with Equity Union's network of vetted lenders. We are not paid for lender referrals.
Cash to close
$0
Type a price and your sheet fills in.
Down payment
Closing costs, your side
Outside Los Angeles and Ventura, who pays escrow, title, and transfer tax changes by county. Call Kurt at 805-796-1793 and he will confirm the custom where you are buying.
Prepaids
Supplemental tax: months after closing, the county reassesses at your price and sends extra bills. Budget for them. Most agents never mention this.
Credits
Credits this large usually get capped. Lenders limit them to your actual closing costs and prepaids, so plan on the smaller number.
County custom, not law. Any of these can move in the contract, which is exactly why they belong on your sheet.
30-year fixed. Tax at 1.2% of price, the honest LA-area planning number. Insurance estimated until you have a quote.
Two things shape the offer you write next.
Kurt picks up. He will run these numbers on any home you are watching, no strings on the call.
Call Kurt at 805-796-1793 ← All buyer tools