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Cash to close calculator
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To close a hard money loan you typically need the gap between your total cost and the loan, about 2 points, lender fees, title and closing costs, and a few months of interest in reserve. Lenders check this before they approve. Enter your deal for an estimate using the same math our lender matching uses.
| Down payment / gap to cost | $45,000 |
| Points (2 pts) | $5,100 |
| Lender fee | $2,000 |
| Title and closing | $3,000 |
| 3 months’ interest reserve at 12% | $7,650 |
| Cash and liquid assets needed | $62,750 |
This is the same liquidity check Hard Money Lender Match uses to match you with lenders. Actual points, fees and title costs vary by lender and state.
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Ready to see real lender terms for this deal?
Enter your deal once and compare every lender whose rules fit it, side by side: loan amount, rate, points, fees and total cost.
- Free for borrowers
- No credit pull
- Takes about 2 minutes
Estimates for business-purpose investors, not a loan offer. Lenders set final terms after underwriting.