Free calculator
VA Cash-to-Close Calculator
Estimate cash due after down payment, costs, credits, deposits, and the VA funding fee.
Estimated results
- Estimated cash to close
- $6,500.00
- Total due before credits
- $9,500.00
- Total credits
- $3,000.00
- Final financed loan
- $408,600.00
Methodology
- Add down payment, closing costs, prepaids, cash-paid funding fee, and other debits.
- Subtract seller and lender credits, earnest money, and other credits; floor the estimate at zero.
Independent educational estimate. This tool does not determine VA eligibility, make a credit decision, or provide a lender quote.
Authoritative sources
Rules and guidance last verified August 24, 2026.
- VA funding fee and loan closing costs
Official guidance on the VA funding fee, financing treatment, and purchase closing costs.
Frequently asked questions
Is the VA Cash-to-Close Calculator an approval decision?
No. It is an independent educational estimate, not a VA eligibility decision, underwriting approval, or lender quote.
Where do the rules come from?
The methodology is based on the official VA sources linked below and was last verified August 24, 2026.
Should I verify the result?
Yes. Confirm costs, eligibility, rates, and underwriting treatment with VA and your lender.