Free Calculator
Closing Cost Calculator
Estimate exactly what you’ll pay (or receive) at closing for both buyers and sellers. No surprises on closing day.
Buyer Details
$
$
Different loan types have different fees
Optional Adjustments
%
Typically 0.3-0.5% of home price
Lender holds these in escrow at closing
Total Buyer Closing Costs
$0
Cash needed at closing (in addition to down payment)
0% of purchase price
Cash to Close
Down Payment
$0
Closing Costs
$0
Total Cash Needed
$0
Detailed Closing Cost Breakdown
📋 Lender Fees
Loan Origination Fee
Lender’s fee for processing your loan (0.5-1% of loan)
$0
Application & Underwriting
Lender review and approval costs
$0
Credit Report
Lender pulls your credit history
$0
Appraisal Fee
Required home valuation by licensed appraiser
$0
FHA Upfront MIP / VA Funding Fee
One-time loan-specific fee (FHA/VA only)
$0
Lender Fees Subtotal
$0
🏛️ Title & Escrow
Title Insurance (Lender’s Policy)
Required by lender to protect against title disputes
$0
Title Search & Settlement
Title company researches and confirms ownership
$0
Escrow / Attorney Fees
Closing agent or attorney handles paperwork
$0
Title & Escrow Subtotal
$0
📑 Government & Recording
Recording Fees
County records the new deed
$0
Transfer Taxes (Buyer Portion)
State/local tax on property transfer (varies by state)
$0
Government Fees Subtotal
$0
💵 Prepaids & Inspections
Prepaid Property Tax
Reserve in lender’s escrow account
$0
Prepaid Home Insurance
First year of insurance paid at closing
$0
Home Inspection
Recommended before closing (optional but smart)
$0
Survey
Property boundary verification
$0
Prepaids & Inspections Subtotal
$0
Seller Details
$
$
Remaining balance on your loan
%
%
Often paid by seller
Optional Costs
$
Closing cost help, repair credits
$
Total Seller Closing Costs
$0
Total deductions from your sale price
0% of sale price
Your Net Proceeds
Sale Price
$0
− Closing Costs
−$0
− Mortgage Payoff
−$0
Cash to You at Closing
$0
Detailed Closing Cost Breakdown
🤝 Real Estate Commissions
Listing Agent Commission
Your agent’s portion
$0
Buyer’s Agent Commission
Buyer’s agent paid by seller (traditionally)
$0
Total Commissions
$0
🏛️ Title & Escrow
Owner’s Title Insurance
Often paid by seller (varies by state)
$0
Escrow / Attorney Fees
Closing professional services
$0
Title & Escrow Subtotal
$0
📑 Government & Transfer
Transfer Taxes
State/local tax on property transfer
$0
Recording Fees
County records the new deed
$0
Government Fees Subtotal
$0
📊 Other Seller Costs
Buyer Concessions
Closing cost help / repair credits
$0
Pre-Sale Repairs / Staging
Costs to prep the home
$0
Prorated Property Tax
Your share of taxes through closing date
$0
HOA / Estoppel Fees
If property has an HOA
$0
Get a Real Closing Cost Estimate from a Lender
This calculator gives strong estimates, but every lender’s fees are slightly different. Once you have a property in mind, request a Loan Estimate from a few lenders to compare exact closing costs side by side.
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Disclaimer: Closing costs vary significantly by state, property type, lender, and individual transaction. This calculator provides estimates based on national averages. Your actual closing costs will be detailed in the Loan Estimate (buyer) or Settlement Statement (seller) provided before closing. Always review these documents carefully with your closing agent or attorney.