CLICKpoint RealtyiClickBuyers.comSign in Plan your next move
Bring better questions. Make a clearer plan.
Estimate your cash needs, take a checklist to your next showing and get familiar with the language of buying a home.
How much cash should I plan for?
Enter dollar estimates from your lender and your own budget. Blank fields count as zero. Enter each expense once.
Enter your estimates to see your plan.
Assistance and concessions must be approved and applied to eligible costs. This estimate does not determine eligibility or replace your lender’s cash-to-close calculation.
Include only deposits confirmed as closing credits. For example, don’t add earnest money again as an inspection expense. Keep unapproved assistance out of this calculation.
Understand your Loan Estimate — CFPBYour home-tour checklist
Check off topics as you review them—not as a guarantee that the home passes inspection. Your entries stay on this page until you leave or refresh. Print or save a PDF to keep a copy.
0 of 10 topics reviewed
A tour checklist helps organize observations. It does not replace a professional inspection.
Texas buying terms, in plain language
Earnest money
A contract deposit held by the escrow agent and generally credited at closing. Whether it is refundable depends on the contract and how it ends.
Option fee & option period
Under an applicable Texas contract, the agreed fee and timely compliance secure a limited period to terminate for any reason. Use the dates and requirements in your signed contract; the inspection itself does not extend the deadline.
Property survey
A drawing prepared by a surveyor showing property boundaries and surveyed features. Ask your agent and title company whether an existing survey is acceptable or a new one is needed.
Title commitment
The title insurer’s proposed terms for issuing a policy, including requirements and exceptions. Review it with your title company and agent.
Appraisal
An opinion of property value, often ordered for the lender. It serves a different purpose from a home inspection.
Home inspection
An evaluation of accessible property components and systems. Discuss its scope and limitations with your inspector and arrange specialist reviews when needed.
Seller concessions
An agreed seller contribution toward eligible buyer costs. Your loan program limits how the contribution can be used.
Cash to close
The amount still needed at closing after down payment, closing charges, credited deposits and applicable adjustments. Confirm the final figure with your lender and title company.
Prepaids & escrow
Prepaids cover items such as insurance and interest paid in advance. An initial escrow deposit funds an account used for future expenses such as property taxes and insurance.
Contingency
A contract condition that may affect the parties’ obligations or termination rights. Its wording and deadlines matter.
These are general explanations. Your signed contract and loan documents control your transaction.
TREC: earnest money and option feesCFPB: understand your Closing Disclosure