Closing Cost Calculator
Estimate lender fees, title charges, prepaids, and transfer taxes to find the real cash you need at closing.
Your details
Lender charges
Underwriting, processing, appraisal, credit report
Third-party charges
Prepaids & escrow
This calculator runs entirely on your device. Nothing you enter is uploaded, stored, or sold. How this works
Estimated cash to close
$101,788
$90,000 down payment + $11,788 in closing costs
Includes your inputs, the full breakdown, and every row of the table.
Total closing costs
$11,788
2.62% of the purchase price
Lender charges
$3,000
Third-party charges
$5,300
Prepaids & escrow
$3,488
- Origination fee
- $1,800
- Lender flat fees
- $1,200
- Title insurance & settlement
- $2,700
- Transfer / excise tax
- $2,250
- Recording & misc
- $350
- First-year homeowners insurance
- $1,800
- Escrow deposit (3 months)
- $1,688
- Total closing costs
- $11,788
- Down payment
- $90,000
- Cash to close
- $101,788
What this means
- Buyer closing costs typically run 2-5% of the purchase price. Transfer taxes vary enormously by state — some charge nothing, others over 2%.
- Prepaids are not really a cost; they fund an escrow account you would have paid into anyway. They still have to come out of your bank account on closing day.
How the closing cost calculation works
Closing costs fall into three buckets. Lender charges (origination, points, underwriting) are negotiable and shoppable. Third-party charges (title, appraisal, recording, transfer tax) are mostly fixed by your market. Prepaids and escrow deposits are not fees at all — they fund the account that will pay your taxes and insurance.
Your Loan Estimate arrives within three business days of applying, and the Closing Disclosure at least three business days before signing. Comparing those two documents line by line is the single most effective way to catch fees that drifted upward.
Frequently asked questions
Are discount points worth buying?
One point costs 1% of the loan and typically buys a 0.25% lower rate. Divide the cost by the monthly savings to get a break-even in months; if you will keep the loan longer than that, points pay off.
Can the seller pay my closing costs?
Often yes. Conventional loans allow seller concessions of 3-9% depending on the down payment, and FHA allows up to 6%. In a slow market this is one of the easiest concessions to negotiate.
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Disclaimer. This calculator is provided for general information and educational purposes only and does not constitute financial, tax, legal, medical, or engineering advice. Results are estimates based on the inputs you provide and the assumptions described above. Confirm any figure with a qualified professional before acting on it.