Cash to Close
Estimate down payment, TN/GA government charges, title and lender services, escrows, credits, and buyer-paid representation.
Estimated cash needed$37,086
Inputs
Defaults are starting points for planning, not a lender closing disclosure.
Down payment$35,000 down
Rate default: Mighty Oaks static mortgage-rate fallback - 2026-07-11Tax default: Hamilton County TN ACS effective-rate estimate - acs2024_5yr
Services and Recording
Prepaids and Escrows
Buyer Representation
Results
Hamilton County, TN - $315,000 estimated loan amount.
Cash to close$37,086After credits
Down payment$35,00010% of price
Gov + recording$1,681TN
Prepaids$3,180Escrows and interest
Breakdown
Down payment$35,000.00
Transfer tax$1,295.00
Mortgage tax$359.95
Recording fees$26.00
Closing services estimate$4,725.00
Tax escrow$538.50
Insurance escrow$1,800.00
Prepaid interest$841.44
HOA prepaids and transfer$0.00
Buyer-paid representation$0.00
Credits and earnest money-$7,500.00
Estimates only. Actual cash to close depends on lender fees, title or attorney fees, tax prorations, insurance, closing date, HOA rules, and contract terms.