The total cash you'll bring to closing — down payment and costs, minus deposits and credits.
Cash to close is the total you need available on closing day, and it's more than just the down payment. On top of it sit closing costs — lender fees, title insurance, appraisal, recording and the like, usually 2–5% of the price — plus prepaids, which are upfront amounts for property taxes, homeowner's insurance and prepaid interest that fund your escrow account. From that total you subtract anything you've already paid or been given: your earnest money deposit, and any seller or lender credits negotiated into the deal. The result is the figure your settlement statement will ask you to wire. It's an estimate; your closing disclosure has the exact line items. For the ongoing monthly cost, see the mortgage calculator.