08/28/2026
Saved for the down payment and still not sure if that’s enough?
Cash to close usually means more than one line item. Earnest money may be due early, inspections are usually paid out of pocket, closing costs are separate, and appraisal-gap funds only matter if your offer includes them. I also want buyers to keep some reserve money after move-in.
I walk Washington buyers through this before we start writing offers.
If you want, I can help you map out the real number for your budget.