SBSteve Buzogany
Philadelphia REALTOR®First-time buyers • Philadelphia + surrounding suburbs
Philadelphia REALTOR®First-time buyers • Philadelphia + surrounding suburbs
● Free First-Time Buyer Tool
How much cash do you actually need to buy your first home?
Choose your county and target price. In about a minute, get a personalized estimate for your down payment, local closing costs and total cash target.
County-specific costsFast personalized estimateNo pressure
Built for Philly-area first-time buyersBy Steve Buzogany, REALTOR® • Keller Williams Empower
Cash-to-Close Calculator
Calculate your cash target.
Start with the home price you're considering. You can change the numbers anytime.
Estimated buyer closing costs
Select a county + price
Philadelphia 5.00% • Chester, Montgomery & Delaware 4.25%
Free estimate • Takes about 60 seconds • Phone number optional
Educational estimate only. Exact cash-to-close can vary by financing, lender/title fees, property type, taxes, insurance, credits and program rules.
Your estimated total cash target$0
County—
Down payment$0
Estimated closing costs$0
Closing-cost rate used0%
Reserve buffer$0
Less assistance / credits-$0
Best next step: compare this estimate with a local lender's actual loan pricing and any assistance programs that may fit your situation.
Local numbersPhilly + 3 suburban counties
First-time buyer focusedPlain-English estimate
REALTOR® guidanceSteve Buzogany
No pressureUse the tool, keep the clarity
Quick answers.
How are closing costs estimated?
5.00% of purchase price for Philadelphia County and 4.25% for Chester, Montgomery and Delaware counties. These are planning estimates, not guaranteed closing figures.
Is this a mortgage pre-approval?
No. This is an educational planning tool. A lender determines loan eligibility, program fit, final loan costs and actual cash-to-close.
What happens after I enter my information?
You'll see your detailed estimate immediately. Steve may also follow up with relevant first-time-buyer guidance based on the numbers and timeline you entered.