Down Payment Calculator
Learn how much cash you need to buy the home you have in mind. This tool estimates your total "cash to close," including the down payment and closing costs.
Total Estimated Cash to Close
$0
Breakdown
Down Payment
$0
Estimated Closing Costs
$0
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Enter your info to receive this exact breakdown in your inbox, plus information on down payment assistance programs.
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This is a great start! The next step is a formal pre-approval to show sellers you're a serious buyer.
Get Pre-Approved NowWhat's Included in "Cash to Close"?
"Cash to close" is the total amount of money you need to bring on closing day. It includes two main parts:
- Your Down Payment: The percentage of the home's price you pay upfront. While 20% is traditional, many loans like FHA loans (3.5%) or conventional loans (3-5%) require much less.
- Closing Costs: These are fees for services required to finalize the loan, such as appraisal, title insurance, and lender fees. You can learn more in our Arizona Closing Costs Guide.
Don't let this number intimidate you. Many first-time homebuyer programs offer down payment assistance to help cover these costs.