Post Closing True Up Calculator

Closing prorations need truing up. This calculator reconciles.

Rent actual vs estimated $

Tax actual vs estimated $

Insurance actual vs estimated $

Utility actual vs estimated $

Net true-up (buyer→seller if pos)

$2,100

Total gross adjustments

$25,500

Direction (1=to seller)

How the math works

Net = sum of all deltas. Positive = buyer owes seller; negative = seller refunds buyer.

On deltas −$8.5k rent, +$12k tax, −$3.2k ins, +$1.8k util: net +$2.1k to seller. Reconcile with backup support schedules within 60-90 days of closing.

Editorial noteMaintained by EveryCalc - Reviewed June 2026

EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.

Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.

Learn more about our review process on the EveryCalc methodology page.

How this calculator works

What this page estimates

This Post Closing True Up Calculator is built to give a quick, browser-based estimate for post closing true up. Closing prorations need truing up. This calculator reconciles. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.

Calculation approach

The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.

Example workflow

For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.

Practical checks

Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
Run a low, base, and high case when the inputs are estimates.
Check the related calculators below when the next decision depends on a different assumption.

How to interpret the post closing true up result

Best use

Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.

Cross-check

Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.

Watch for

Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.

This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.

Before relying on this post closing true up estimate

Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.

Confirm source numbers

Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.

Separate cash flow from total cost

A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.

Run conservative cases

Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.

Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.

How to Use

Enter rent estimated vs actual.
Enter tax estimated vs actual.
Enter insurance estimated vs actual.
Enter utility estimated vs actual.
Read net true-up owed.

Frequently Asked Questions

What trues up?

Rent receivable (estimated at closing vs actual collected). Taxes (estimated before bill received). Insurance (prepaid, adjusted on actuals). Utilities (estimated, actual on final bill). CAM reconciliation (largest, 6-12 months post-close).

Timeline?

60-90 day true-up window typical. CAM reconciliation: 12-15 months post-close (next calendar year completion). Insurance refund: 1-3 months. Property tax: 6-12 months (after next bill). Multiple true-up tranches over first year.

Disputes?

Delinquent rent reconciliation (seller/buyer ownership by receipt date). CAM estimate vs actual (shifting expense categories). Tax protests (impact on pro ration). PSA defines methodology. Third-party accountant often retained for disputes.

How often should I rerun this?

Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.