Formula and assumptions
Entered buying costs = sum of each non-negative line item. Cash shown = entered deposit + entered costs. The model does not infer taxes, fees, professional requirements, due dates or eligibility rules.
Cash-to-settle worksheet
What will this home purchase cost beyond the price?
Add transaction-specific quotes and allowances without relying on invented “typical” fees. The worksheet keeps the deposit and entered costs visible as separate cash needs.
Home-buying cost worksheet
Enter quotes or allowances that apply to the property
Entered cost lines
Defaults are zero. Obtain property-specific quotes and add only items relevant to your transaction.
Entered deposit
$160,000
Entered costs
$0
Deposit plus costs
$160,000
Purchase price: $800,000. This worksheet does not determine which taxes, registrations, reports, lender conditions or professional services apply. Confirm transaction-specific obligations with your lawyer, lender, insurer, council and other professionals.
Worked example
If entered quotes are $1,800 legal, $650 inspection and $900 moving, with all other lines zero, the cost total is $3,350. A $160,000 entered deposit then gives $163,350 deposit-plus-cost cash.
Source and verification
Deterministic FHBG purchase-cost sum model v1.0, reviewed 13 July 2026. Every amount is user entered. Confirm actual obligations and quotes with the relevant lawyer, lender, council, insurer and provider.
Buying-cost questions
Why do all cost lines start at zero?
There is no reliable universal price for legal work, inspections, valuations, registrations, insurance, moving or property repairs. Zero defaults force the worksheet to reflect quotes and allowances you enter.
Which buying costs are mandatory?
That depends on the property, agreement, title, council, lender, insurer and buyer. Ask your lawyer and lender which reports, registrations and professional work apply before treating any line as complete.
Does this include the deposit?
The worksheet shows entered costs separately and then adds them to the entered deposit. It does not decide when each amount is due or whether funds can be used for a particular purpose.