What is the difference between closing costs and cash to close when purchasing a home?

I am trying to estimate my closing costs for a house that I want to purchase and I keep getting 2 amounts. One amount is closing cost and the other is cash to close, is the cash to close inclusive of the closing cost or in addition to the closing? If anyone can provide any input... thanks|||Cash to close is all of your closing cost plus the down payment required by the lender





Closing costs is all the money it cost the buy to due the transaction, not including the down payment. Such as escrow fees, lenders points, origination fee, MPI, credit check, pre-paid taxes and insurance, transfer tax, documentation fees, pre-paid interest. notary fees, etc.





Loans that are insured by the federal government,like FHA and FannieMae, the seller is allowed to pay up to 3% of the sales price of the property of the buyers closing costs, but the seller is not allowed to pay any of the buyers down payment.|||Yes the cash amount should be greater then closing fees. You need extra cash for the unexpected.


Paying prorated taxes to the seller, paying for any heating oil in the tank and so on|||Closing costs are generally those costs paid to the bank - points and so forth. Cash at close includes all the other crap that is included when you buy a home, title insurance and so forth.