The final cash figure a purchaser needs to bring to settlement — purchase price, less deposit and loan proceeds, plus any duty, fees and adjustments still owing.
VIC
NSW
QLD
SA
WA
TAS
ACT
NT
Purchase & deposit
$750,000 · $75,000 deposit paid
$
Usually paid at exchange — check the contract
$
Loan proceeds
$600,000 from lender
The amount the bank pays directly to the vendor — $0 if paying cash
A credit reduces funds needed; a debit increases it — use the Settlement Adjustment Calculator for the full outgoing-by-outgoing breakdown
Credit to purchaser
Debit to purchaser
$
Funds required to complete
$0
Amount the purchaser needs to have available on settlement day
Purchase price$0
Less deposit paid−$0
Less loan proceeds−$0
Stamp dutynot yet paid$0
Transfer / registration fee$0
Other unpaid fees$0
Settlement adjustment$0
Funds to complete$0
Know Exactly How Much You Need?
Calculate the exact funds required at settlement, including all legal fees, searches, and adjustments. Our conveyancers provide accurate figures and help you plan your settlement funding.
💰 Complete cost breakdown✅ No surprises📊 Accurate figures
Estimate only. Stamp duty is calculated using indicative brackets and should be verified against the relevant state revenue office. This tool assumes the loan amount is drawn down in full at settlement and doesn't account for lender-specific timing, LMI capitalisation, or split settlements. Confirm the exact figure with the conveyancer's settlement statement before the purchaser arranges funds.
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Leave your details and a conveyancer will confirm the exact settlement figure — usually within one business day.
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Someone will be in touch within 1 business day.
In the meantime, feel free to keep adjusting the numbers above.
