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    Buyer Cash to Close Calculator

    Estimate cash due at closing for a Greater Richmond purchase, with a sample monthly payment. Statutory recordation taxes are calculated; other fees stay editable. This is a planning tool, not a Loan Estimate. Pair it with the site mortgage calculator if you want a second look at principal and interest.

    Purchase basics

    Down payment

    Loan program options

    Credits and deposits
    Closing costs (editable estimates)

    These are planning estimates, not quotes. Replace them with numbers from your Loan Estimate.

    Editable estimate. Default is about 0.5% of price; adjust to match your Loan Estimate.

    Appraisal, credit report, flood cert, underwriting, and similar. Editable estimate.

    Editable estimate. Owner’s and lender’s policies and settlement fee vary by company.

    Editable estimate. Not always paid at closing.

    Editable estimate for flat clerk fees, separate from statutory recordation taxes.

    Virginia recordation taxes (statutory)

    $0.25 per $100 (or fraction) of consideration. Va. Code § 58.1-801.

    Defaults to one-third of the state tax (Va. Code §§ 58.1-814, 58.1-3800). Editable. Confirmed imposed in Henrico and Richmond; confirm with your settlement agent for Chesterfield and Hanover.

    $0.25 per $100 (or fraction) of the loan amount (typical residential tier). Va. Code § 58.1-803.

    Defaults to one-third of the state deed-of-trust tax. Editable. Confirm with your settlement agent.

    Regional congestion relief fee does not apply in Greater Richmond (Planning District 8 / Northern Virginia only).

    Prepaids and escrows

    Editable estimate. Get a quote from your insurer.

    Commonly twelve months prepaid plus about two months escrow. Editable.

    Editable. Lenders often collect a few months of taxes into escrow at closing.

    Interest from closing through month-end. Editable estimate of days.

    For conventional loans, enter monthly PMI from your lender. No default PMI rate is assumed. Optional override for FHA/VA/USDA monthly amounts.

    Disclaimer. These figures are estimates only. This is not a Loan Estimate, Closing Disclosure, or settlement statement. Statutory rates and published mortgage insurance / funding fee rates are as of October 27, 2026. Non-statutory fees are editable estimates. Confirm every number with your lender and settlement agent. Daniel Yoon, REALTOR®, eXp Realty. Equal Housing Opportunity.