Know what this house will really cost you.
Estimate your monthly payment, closing costs, earnest money, inspections, appraisal, seller credits, and the cash you may need — before you ever receive the keys.
CashToKeys is an independent educational planning tool and is not affiliated with or endorsed by the U.S. Department of Veterans Affairs.
during purchase
True Monthly Cost
Principal, interest, taxes, insurance, HOA, and other recurring housing expenses in one clear number.
Cash Before Closing
Plan for earnest money, inspections, appraisal, and expenses that may arise during the transaction.
Cash at Closing
See how closing costs, seller credits, lender credits, down payment, and earnest-money credits interact.
VA-Specific Guidance
Estimate funding fees, zero-down scenarios, credits, and VA-specific purchase considerations.
Not just a mortgage calculator.
Most calculators answer "what's my monthly payment?" CashToKeys answers a bigger question: how much cash do I actually need to buy this house, and can I comfortably afford it? We surface money you may need before closing, at closing, and the maximum amount you may need access to during the transaction.
- Earnest money is never double-counted
- Seller & lender credits reduce cash at closing
- VA funding-fee logic is fully configurable
- Plain-English summary you can share