Cash To Close


estimate closing cost

enter value  Your home’s projected purchase price

Cash To Close

Tool Wheel: 18 Tools

Tool box included in HomeToHome

Identify & compare your transaction closing costs before you enter into one.

One simple form captures and calculates who pays what- your costs and your opponent’s costs.

DISCLAIMER: Cash To Close cannot consider all the complexities of the subject property or your financial situation. Consult a licensed professional before making decisions.

  • Explore the scenarios that you’d like to play out. Interest rates, market conditions, purchase terms, and carrying costs impact your decisions.
  • Compare the approximate costs of your buy & sell transactions, the financing and cash that you’ll need or receive.
  • As a buyer, include your financing costs (Loan Sense, ARM Sense tools).
  • Broker’s commissions, title insurance, and escrow charges impact buyer and seller.
  • Table: A summary of your scenarios.

When using Cash To Close

A breakdown of costs to buy and sell a home

Wouldn’t it be great if you had a pretty good estimate of your cash in pocket options before you bought or sold your home?

Cash To Close can lend a hand. Home transactions are tallied up using the “closing statement”, a cost breakdown of all costs to buyer and seller, after the transaction is complete. 

It’s a little late to be useful so the “preliminary closing statement” was invented. Not terribly useful when all the major cost decisions have been made.

Use Cash To Close liberally early in your process. Control money judiciously and not after the fact. Compare the costs of different options.

Client Leverage : Define your Market Frame

Trade off your cash to close with equity position & strength of the offer.

Your agent’s profile: 6 qualities that influence your home’s price

Strategically choose your Agent. Your Agent’s Profile (below) affects all stages. Use HomeToHome’s Agent AQ Search to choose your agent. Review their Agent Service Plan and use your Guide’s checklist to evaluate.

  • Client Preparation: Educate client for each stage, strategically prepare clients.
  • Market Alignment: Align client to inventory, pricing, timing, and opportunity.
  • Property/Purchaser Acquisition: Identify best properties/buyers for client’s needs.
  • Negotiation: Maximize value for client: negotiate & execute purchase.
  • Vendor Management: Coordinate inspectors, appraisers, lenders, contractors, etc.
  • Execution: Orchestrate all elements of a purchase agreement to protect client’s interests.
($) Client Preparation
($) Market Alignment
($) Property/Purchaser Acquisition
($) Negotiation
($) Vendor Management
($) Execution

6 key factors that effect a home’s value

Home Leverage Profile reflects property characteristics, the seller’s timing & motivation, and the market. Use HomeToHome’s MarketPrice and RateThisHome to maximize Home Leverage.

  • Home condition : Size, location, age, structural integrity, upgrades, staging, curb appeal
  • Market Conditions : Comparables: active, pending, recently sold. Local economy
  • Marketing : Price strategy, media creation, target buyer type, advertising campaigns
  • Market Timing/Buyer Pool : Maximize demand of qualified buyers
  • Seller Position : Timing, motivation, & equity position
  • Title condition : Clean, encumbered, restrictions, CC&R’s, liens, etc.
($) Home condition
($) Market Conditions
($) Marketing
($) Market Timing/Buyer Pool
($) Seller Position
($) Title condition

Your value profile: 6 key factors that effect your home’s price

The 6 factors of Buyer or Seller “readiness” qualifies the client’s option to act decisively and favorably. A strong buyer is more attractive to a seller. They’re more likely to close the sale on the home. Similarly, a strong seller is already prepared and aligned with the market. Use your Lender’s Finance Plan and Profile, LoanSense and CashToClose tools to sharpen your negotiating position.

  • Representing Agent: Expertise, competence and integrity
  • Home: Expectations, location, condition, and list price
  • Finances: Loan(s), cash position, equity, tax considerations
  • Motivation: Readiness and desire to execute
  • Execution: Client’s ability to cooperate with trust and honesty
  • Credit: Client’s understanding of significance, qualification process, and true cost of credit
($) Agent
($) Home
($) Finances
($) Motivation
($) Execution
($) Credit

Home’s Price Profile: 4 key factors that determine a home’s value

After you have optimized your Home’s Leverage Profile, your Agent influences the Home’s Price Profile in your favor. The Home’s Price Profile is determined during negotiation between the Buyer & Seller. The Price Profile is described by these 4 factors:

  • The List Price is the advertised price of a home. It should not be confused with a Market Price or Sold Price.
  • The Home’s Market Price is the expected sales price of what a ready, willing and able buyer will pay.
  • The Home’s Appraised Value, conducted by an independent professional on the Lender’s behalf, may affect the buyer’s ability to purchase.
  • The Home’s Sold Price is the negotiated price that the seller is willing to accept and a buyer will pay.
($) List Price 70% correlation (est.)
($) Market Price 90% correlation (est.)
($) Appraised Value 80% correlation (est.)
($) Sold Price 100% correlation (est.)

Use HomeToHome’s HomeScene tool to generate different Term Sheet scenarios when negotiating for your most favorable Sold Price.

How to use Cash To Close

1. Answer questions in your Cash To Close form

Compare up to 30 scenarios

Cash to Close form
Cash to Close form

2. Cash To Close does the work

Cash to Close output
Cash to Close output
Cash to Close summaries
Cash to Close summaries