Loans & borrowing · Free calculator
Mortgage Gift Funds and Buyer Reserve Calculator
Separate confirmed outside funds from buyer cash due at closing and estimate cash left afterward.
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02 / Review your estimate
Estimated results
Example values are prefilled. Edit the inputs to model your own scenario.
Method and assumptions
Uses cash due before the specific credited amounts entered. Counts only available gift funds assigned to closing. Verify lender documentation and avoid entering credits already reflected in the closing amount.
Sources and related guides
Method, assumptions and result checks
What this tool covers: Separate confirmed outside funds from buyer cash due at closing and estimate cash left afterward.
Review the calculator’s worked examples, formulas, timing and exclusions in the sections below. Input units and payment frequency matter. A displayed APR is not necessarily the interest rate used by the model. Tax, investment, daily-interest and specialist loan models have different rules.
Interface and accessibility reviewed November 8, 2026. This is not a certification of current rates, tax tables or every financial statement. Verify important results against actual documents.
Monthly loan formulas and worked examples · Build questions for your lender
Separate confirmed outside funds from buyer cash due at closing and estimate cash left afterward.
Learn more about this calculation
Review these related guides before comparing estimates with actual lender terms.
Guides that use this calculator
All guidesHow to Avoid Counting a Closing Deposit Twice With Gift Funds
Cash to close can already reflect a deposit, so subtracting it again can overstate your remaining cash.
LoansWhat If Mortgage Gift Funds Arrive After Closing?
Expected gift funds only help cover closing if they are available at the required time and accepted for the transaction.
LoansHow to Check Your Mortgage Cash Budget Before and After Closing
Separate cash to close from the money needed for the first weeks of homeownership.
LoansFinancing Mortgage Closing Costs vs Paying Cash: Total-Cost Guide
Understand finance mortgage closing costs vs pay cash with payment, fee, balance and cash-flow examples plus a calculator for your own scenario.