Tool
Down payment and upfront costs
Calculate how much cash you need to save up to buy: down payment, closing costs and appraisal, and how much would be financed.
Total cash needed
—
To sign without surprises
Down payment—
Closing costs—
Appraisal and other—
Amount to finance—
Assumptions & method
- Total cash = down payment + closing costs + appraisal and other.
- The closing costs (acquisition tax, notary, registry) vary by state and municipality; the preloaded percentage is an editable example.
- Some banks finance part of the costs by rolling them into the loan; here they are assumed to be paid in cash.
- Calculate the monthly payment on the amount to finance in the mortgage simulator.
FAQ
The essentials, in brief
What is the ISAI?
The Real-Estate Acquisition Tax (ISAI, also called the property-transfer tax): charged by the municipality or the state when you buy, with rates usually running 2% to 4.5% of the value. It is the largest component of the closing costs.
Can I finance the closing costs?
Some banks allow it by rolling them into the loan, which raises the monthly payment and interest. If you can cover them in cash, the loan stays healthier.
Do I get to choose the appraiser?
No: it must be carried out by an authorized appraiser, usually designated by the bank or the notary. The cost depends on the property's value.
Next step
Tell us about your deal
Tell us how much you need and what collateral you can offer. We’ll tell you frankly whether it’s viable and how we’d structure it.
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