RichDue

The cash you need on closing day.

The down payment is the number everyone plans for. Closing costs come on top, and they swing with the state. See both, line by line.

From $10,000 to $5,000,000.

20% of the price.

17 states are priced line by line; elsewhere it’s 3% of the price, labelled as an estimate.

For the interest you prepay from closing day to month end.

Cash to close, typical

Bring about $259,460to close in California, between $251,819 and $268,245.
Down payment
$240,000.00
Closing costs, typical
$19,460.00
Cash to close
$259,460.00
Loan
$960,000.00

What to watch

  • At 20% down or more there’s no PMI.
  • The loan is $127,250 over the 2026 conforming limit ($832,750), so it’s a jumbo loan. 30.61% down ($367,320) keeps it conforming.

Closing costs, line by line

Typical, with the low–high range under it.

Origination

Appraisal fee
$931$732–$1,297
Credit report fee
$113$67–$173
Flood certification
$15$10–$25
Processing fee
$495$300–$795
Underwriting fee
$895$500–$1,395
Prepaid interest
$2,564$855–$4,274

Settlement & title

Settlement / closing fee
$1,100$700–$1,500
Lender’s title insurance
$3,600$2,400–$4,800
Title search & endorsements
$432$233–$765
Notary fee
$150$75–$275
Document delivery / wire fee
$55$25–$95

Third-party

Homeowners insurance (12 months prepaid)
$4,200$3,150–$5,670
Insurance escrow (3 months)
$1,050$700–$1,400
Home inspection
$765$532–$1,131

Taxes & government

Recording fees
$95$40–$150
Property tax escrow
$3,000$1,500–$4,500
Closing costs$19,460$11,819–$28,245

An estimate to plan with, not a Loan Estimate. One discount point would add $9,600.

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Cash to close

Cash to close is the down payment plus closing costs. Closing costs fall in four groups: the lender’s origination charges; settlement and title; third-party services such as the appraisal and inspection, with insurance and tax escrows; and taxes and government fees, which is where the states differ most.

In 17 states the estimate is built line by line from each state’s transfer and mortgage taxes, recording fees and title pricing, with a low, typical and high figure for every fee that varies. Elsewhere it’s one labelled estimate, 3% of the price.

Three lines to know

  • 3% down is where conventional programs start.
  • 20% down skips PMI.
  • The conforming limit, $832,750 for one home in most of the US in 2026: a bigger loan is a jumbo loan, with its own rules.

An estimate to plan with, not a Loan Estimate, a pre-approval or advice. Lenders, counties and insurers set the real figures; check them before you act.

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