Closing Cost Calculator
Estimate the cash needed at closing beyond the down payment.
Estimated closing costs
$12,000
Typical range (2–5%)
$8,000–$20,000
Lender fees (~1%)
$4,000
Title, escrow & prepaid (~2%)
$8,000
What's inside closing costs
Loan origination and underwriting (about 1% of the loan), appraisal and inspections, title search and insurance, government recording and transfer taxes, plus prepaid escrow deposits for property tax and insurance. Buyers typically pay 2–5% of price; sellers pay agent commissions separately.
Ways to trim them
Lender fees are shoppable — compare Loan Estimates line by line. Sellers can credit costs in negotiations, some lenders trade a slightly higher rate for reduced fees ('lender credits'), and closing late in the month cuts prepaid interest.
Frequently asked questions
- How does the Closing Cost Calculator work?
- Estimate the cash needed at closing beyond the down payment.
- Is the Closing Cost Calculator free to use?
- Yes. The Closing Cost Calculator is completely free, runs entirely in your browser, and requires no account or sign-up. Your inputs never leave your device.
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