Estimate Your Closing Costs

Home Purchase Price

* Down Payment

Interest Rate

State

Monthly Property Tax

Monthly Home Insurance

Estimated Closing Date (optional)

* Loan Type

Advanced (edit assumptions)

Origination Fee (% of loan)

Discount Points (% of loan)

Appraisal ($)

Title + Settlement ($)

Title Search ($)

Recording Fees ($)

Transfer Tax ($ buyer portion)

Escrow: tax months (initial)

Escrow: insurance months (initial)

RESPA cushion (months)

Estimated Cash Needed at Closing

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Closing costs (estimate): —
Down payment: —

Origination Fee

—

Discount Points

—

Appraisal

—

Title Insurance

—

Title Search

—

Transfer Tax

—

Recording Fees

—

Prepaid Interest

—

12-Month Home Insurance (Upfront)

—

Initial Escrow Deposit

—

RESPA Escrow Cushion

—

Financed Program Fee (if any)

—

Disclaimer: These are estimates only. Actual closing costs vary by lender, title company, state/county, and closing date. Your Loan Estimate (TRID) is the source of truth.

What Are Closing Costs?

Closing costs are the fees and expenses you pay when finalizing a real estate transaction, beyond the home's purchase price. They typically run 2–5% of the loan amount and are paid at the closing table.

Lender Fees

Origination fees (typically 0.5–1% of the loan), underwriting fees, and discount points if you choose to buy down the rate.

Third-Party Fees

Appraisal, title search, title insurance, pest inspection, survey. These are set by outside vendors, not the lender, but the lender chooses which vendors you can use.

Government Fees

Recording fees (paid to the county to record the deed) and transfer taxes (varies dramatically by state — Texas charges none; Pennsylvania charges 2%).

Prepaids & Escrow

Prepaid interest covers the days between closing and your first payment. Escrow deposits pre-fund 2–3 months of property taxes and insurance.

Tip: Compare Loan Estimates (LEs) from multiple lenders. Lender fees vary but third-party fees should be similar. Watch for junk fees like "administrative fees" or "processing fees" over $500.

Can closing costs be rolled into the loan? +

On a purchase, most closing costs must be paid upfront — you can't add them to the mortgage. Exceptions: FHA loans allow seller concessions up to 6%; VA loans allow the seller to pay all closing costs. On a refinance, closing costs can often be rolled into the new loan balance.

What are seller concessions? +

Seller concessions are closing cost credits paid by the seller on your behalf. You negotiate them into the purchase contract. They're most common when the market favors buyers. Conventional loans limit concessions to 3–9% depending on LTV; FHA allows up to 6%; VA allows unlimited.

What is the difference between a Loan Estimate and Closing Disclosure? +

A Loan Estimate (LE) is provided within 3 business days of application and is the lender's estimate of closing costs. A Closing Disclosure (CD) is provided 3 business days before closing and shows the final, actual costs. Compare them carefully — most fees can only increase by 10% between LE and CD.

Closing Cost Calculator

Estimate Your Closing Costs

What Are Closing Costs?

Lender Fees

Third-Party Fees

Government Fees

Prepaids & Escrow

All Calculators

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