Closing Cost Calculator
Estimate your total cash to close including lender fees, title, escrow, taxes, and insurance prepaids. Adjust any input to see how closing costs change.
Closing Cost Calculator
Lender fees · Title & escrow · Prepaids · Cash to close
* Estimates only. Actual closing costs vary by lender, state, property, and loan type. Always review your official Loan Estimate (LE) for exact figures.
How to Use This Closing Cost Calculator
Enter your home price, down payment, and loan details. Select your state to apply the correct transfer tax rates. The calculator will break down every major closing cost category — lender fees, title & escrow, government taxes, and prepaids — so you know exactly what to expect before you sit down at the closing table.
What Are Closing Costs?
Closing costs are fees and expenses paid at the end of a real estate transaction, beyond the down payment. On average, buyers can expect to pay 2%–5% of the loan amount in closing costs. These typically include lender fees (origination, appraisal, underwriting), title and escrow fees, government taxes, and prepaid items like insurance and property tax reserves.
What’s Included in This Estimate
- Origination fee: Typically 1% of the loan amount — the lender’s charge for processing your loan.
- Appraisal: Usually $500–$700 for a standard home appraisal to verify market value.
- Title insurance: Protects the lender against title defects; required on virtually all loans.
- Prepaid interest: Interest due from your closing date to the end of the month.
- Escrow reserves: 2 months of property taxes and 12 months of homeowner’s insurance collected upfront.
- Government transfer taxes: Vary significantly by state — Florida, Texas, and Utah each have different rules.
