Homebuying Cash Planner
Separate the money that may be needed for the purchase from moving costs and the savings you want left afterward.
Many first-time buyers hear “down payment” and assume that is the full amount needed. A purchase can also involve closing costs, prepaid taxes and insurance, inspections, an appraisal, moving, and money you want left after closing.
What if I need help with a down payment?
The planner keeps down payment help separate from seller or lender credits because they do different jobs. Add only amounts that have been confirmed. Programs have location, income, property, occupancy, and timing rules that can change. If you are not sure what may apply, leave those fields at zero and review the down payment help guide.
Your numbers
What goes here?
The price you are considering. We started with a Reno-area illustrative example around $425,000 — replace it with your own number.What goes here?
Many programs allow less than 20% down — some as low as 0-5%. We started at 5% of the illustrative price as one example; use the percentage from the loan program you are considering.What goes here?
Use a written estimate when you have one. A rough Reno-area starting range is 2-3% of the price. Do not include the down payment again.What goes here?
A common Reno-area starting range for a general home inspection is roughly $400-$600. Add more if you want a separate pest, sewer-scope, or well/septic inspection.What goes here?
A common starting range is roughly $550-$750 for a typical single-family home, though it can run higher for larger properties, rural areas, or specialty appraisals.What goes here?
Can change with the closing date, tax cycle, and insurance policy.What goes here?
A common starting range for a local move plus basics like utility deposits and cleaning supplies is roughly $500-$1,500. A long-distance move can run higher.What goes here?
This is a personal choice, not a formula — many buyers aim for at least one to three months of housing payments left in savings after closing.What goes here?
Enter only assistance approved for the down payment. It cannot reduce the down payment below zero in this planner.What goes here?
Applied only to closing costs and prepaids, not the down payment, inspection, appraisal, moving, or cushion.What goes here?
Add this only if you want to compare your current savings with the estimate above — it does not change the total, only the comparison shown below.Estimated result
$0
Estimated total cash needed at closing
| Down payment (after any confirmed help) | $0 |
| Closing costs & prepaids (after any credits) | $0 |
| Inspection + appraisal | $0 |
| Moving + cushion | $0 |
Educational estimate only. Not a loan approval, offer, rate quote, Loan Estimate, or commitment to lend.
Keep some money for the first weeks of ownership
Moving, utility deposits, small repairs, window coverings, and basic household needs do not appear in the purchase price. The planner includes a place for the cushion you want to preserve.
You can bring the result to us even if several lines are still blank. We will explain what can be estimated now and what needs a specific property.
Where the final number comes from
Your initial Loan Estimate and later Closing Disclosure contain the lender and settlement figures for an actual transaction. The amount can change as the property, insurance, credits, closing date, and services become known. This worksheet is a way to prepare, not a replacement for either document.
Educational planning only. These tools do not provide a loan approval, offer, rate quote, Loan Estimate, or commitment to lend. Property costs, loan terms, and program rules must be confirmed for the person and property involved. Harry Protopappas, Mortgage Loan Originator, NMLS #2543750. NEXA Mortgage, LLC, NMLS #1660690. Licensed in California and Nevada. Equal Housing Lender.