Northeast Tennessee · Homebuyer planning

A clearer picture of
your cash to close.

Explore a budget, adjust the details, and understand what you may need when it’s time to get the keys.

At Home With Ed & KarinEpique Realty

Preview · sample estimates. Title and settlement amounts have not been verified with Classic Title in Jonesborough. This calculator is for planning, not a quote.

01 / Your purchase

Start with the basics

Purchase price ($) Purchase type Down payment (%) Earnest money already paid ($)

Tennessee purchases only. FHA, VA, USDA, refinances and financed closing costs need a separate lender estimate. Cash purchases have no mortgage fees or lender escrow.

View your estimate ↓

02 / A starting budget

Choose your planning range

The 3–6% starting range is an adjustable budgeting assumption for total closing costs, including prepaids and initial escrow. It is not a lender-fee percentage or a local quote.

Low end (% of purchase price) High end (% of purchase price)

This range replaces the itemized calculation. The two methods are never added together. The starting range is intended for financed purchases; adjust it for a cash purchase.

02 / Make it your estimate

Adjust the cost assumptions

Replace the sample amounts with your lender and closing agent’s figures. Enter only your buyer-paid share. Include each fee once; bundled fees should not also be entered separately.

Lender & loan costs

Lender origination / underwriting ($)Combined dollar amount; excludes points. Discount points (% of loan) Appraisal ($) Other loan services ($)For example, credit report or flood certification.

Title & settlement costs

Settlement / closing ($) Title search / examination ($) Owner’s title insurance ($)Buyer share; sample, not a premium rate calculation. Lender’s title insurance ($)Buyer share; confirm simultaneous-issue pricing.

Classic Title’s rate schedule, endorsements and bundled fees are pending confirmation. These samples do not adjust automatically with the purchase price.

Tennessee taxes & other fees

Property value for transfer tax ($)Tax uses the greater of this value or purchase price. Your transfer tax share (%)Use 0 if the seller pays all. Do not also enter it as a seller credit. Recording / filing fees ($) Other closing fees ($)Buyer-paid closing protection letter, HOA, survey, legal, brokerage or other fees, if applicable.

Standard taxable purchase assumed. Transfer tax: 0.37% of the tax base, multiplied by your share. Mortgage tax: 0.115% of loan principal above $2,000. Exemptions and final recording figures need closing-agent review.

Prepaids & initial escrow

Annual property taxes ($)Combined city and county, if applicable. Annual homeowners insurance ($) Insurance premium paid now (months) Property tax escrow (months) Insurance escrow (months) Annual interest rate (%)Sample assumption; not a current rate offer. Prepaid interest (days) Other prepaids / assessments ($)

Escrow deposits fund future bills; they are separate from an insurance premium paid now. Months and interest days are editable assumptions, not a closing-date calculation. Tax prorations go in adjustments below.

03 / Credits & money already paid

What will reduce your total?

Seller credit ($)Enter only credits not already deducted from individual fees. Lender credit ($)

Credits are capped at remaining estimated costs for planning. Your lender must confirm eligible uses and program limits; credits do not automatically pay your down payment.

Your planning estimate

Remaining cash to close

Understand your budget

Review your plans with Ed & Karin ↗

No registration needed. Calculator entries stay in this page and are not sent to us. The link opens our separate home-search planning form; calculator results are not transferred.

A useful starting point. A conversation comes next.

For planning purposes only. Actual costs vary by property, lender, loan, contract and closing date. This is not a Loan Estimate, Closing Disclosure, loan approval, interest-rate offer, or title quote. No loan-program eligibility or seller-concession limits are verified. Monthly mortgage payments, reserves, moving costs and future ownership expenses are excluded. Confirm final figures with your lender and closing agent.

Sources checked October 27, 2026. General percentage guides vary; your selected range is an assumption. Classic Title is the preferred source for future title-fee validation and has not endorsed this calculator.

Tennessee recordation taxes ↗Understanding cash to close ↗Homebuying cost guide ↗

A clearer picture ofyour cash to close.