Rental Property Cash to Close Calculator

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Rental property cash to close calculator

Estimate the cash you plan to bring to a rental purchase: down payment, closing costs, and immediate make-ready work.

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The short answer

Last updated: July 2026

Cash needed to close on a rental is the down payment plus closing costs and any immediate repair or make-ready budget you plan to fund. This calculator adds those numbers from your inputs; it is a planning total, not a lender quote or investment recommendation.

Cash to close calculator

Size the cash needed before a rental closes.

Add the down payment, closing costs, and immediate repair budget you expect. This is a planning total, not a lender estimate.

Purchase price

Down payment

Closing costs

Immediate repairs / make-ready

Input-driven result

Your inputs

Formula

Result below

Planned cash needed

$85,500

$70,000 down + $10,500 closing + $5,000 make-ready.

Estimate based on your inputs. Not a promise of results.

Estimate only. $350,000 purchase price is context only; this tool does not calculate loan approval, prepaid items, reserves, or inspection findings.

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How it works

How this tool works.

A purchase price is not the whole cash commitment. Before a rental starts earning, buyers often need a down payment, closing costs, and money to make the unit ready.

This worksheet combines those inputs into one planning total so the cash requirement is visible before an offer becomes urgent.

Enter the purchase price for context, then your planned down payment.

Add the closing costs shown by your lender, title company, or estimate.

Add only immediate repairs or make-ready costs you plan to fund in cash.

The result is the sum of those three cash inputs.

Make the result useful

Include cash that does not become equity

Cash to close can include down payment, closing costs, prepaid items, and immediate work. Separating these shows how much is equity versus transaction or readiness cost.

Use lender and title estimates for a real purchase decision.

The assumptions that move this result

Down payment

Cash applied to purchase financing.

Closing costs

Lender/title/transaction estimate.

Make-ready

Immediate cash-funded work.

Worked scenario

A $70,000 down payment plus $10,500 closing and $5,000 make-ready means $85,500 planned cash, not just the down payment.

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Is this a lender quote?

No. Confirm actual cash to close with lender/title.

Include reserves?

Include them if you need them funded at closing.

Answers

Questions, answered plainly.

Does this include loan approval?

No. Your lender determines underwriting, required reserves, prepaid items, and the actual cash-to-close figure.

Should I include a repair reserve?

Include immediate work you expect to fund at closing. Keep a separate contingency for surprises if that is part of your plan.

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Built by a landlord who's done every one of these jobs by hand.

Aptoria was built by an owner-operator managing a Brooklyn portfolio — the 11pm calls, the awkward rent texts, the April receipt-pile — not by a software team guessing at the problem.

Stop sizing the problem. Let the agent run it.

Free for your first unit. The calculator gives you the number; Aptoria does the work — and you approve what matters.

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