Free home-buying tool

Free Closing Cost Calculator

A closing cost calculator estimates the lender fees, title charges, taxes, prepaid expenses, credits, and total cash a home buyer may need at closing.

Adjust every assumption with figures from your lender, title company, insurer, and local tax authority for a more useful planning estimate.

Calculator inputs

Build your closing estimate

Purchase and loan

Start with the price, cash down, rate, and lender fee.

Home price

The agreed purchase price before fees.Down payment

Cash applied directly to the purchase price.Mortgage rate

Used only to estimate prepaid daily interest.Loan origination fee

Lender charge as a percent of the loan amount.

Loan and service fees

Add lender, appraisal, inspection, and closing services.

Appraisal

Typical cost of the lender-required appraisal.Home inspection

Include general or specialty inspections you expect.Credit report

Lender credit and verification fee estimate.Settlement or escrow

Title, attorney, or escrow closing service fee.Recording fees

Local charges to record the deed and mortgage.

Title, tax, and prepaids

Estimate location-based charges and escrow funding.

Title insurance

Estimated owner and lender title policies.Buyer transfer tax

Enter only the portion paid by the buyer.Annual property tax rate

Annual tax as a percent of the home price.Prepaid interest days

days

Days from closing through the end of the month.Property tax escrow

Months of taxes collected for the escrow account.First-year insurance

Upfront homeowners insurance premium.HOA and other fees

Transfer, courier, survey, or other buyer costs.

Credits

Subtract confirmed lender and seller contributions.

Lender credits

Credits shown on the lender's estimate.Seller credits

Negotiated seller contribution toward closing costs.

Results

Estimated cash needed

Estimated cash to close, including the down payment

$88,829.79

$80,000.00 down payment + $8,829.79 net closing costs

Gross closing costs

$12,329.79

Credits applied

$3,500.00

Net closing costs

$8,829.79

Closing cost percent

2.21%

Cost groups

Where the estimate goes

Loan and service costs$4,325.00

Title and government costs$3,950.00

Prepaid and escrow costs$4,054.79

Planning estimate only

Actual lender, title, tax, insurance, escrow, and government charges vary. Compare this estimate with your official Loan Estimate and Closing Disclosure before transferring funds.

How it works

Estimate closing costs in three steps

Enter the purchase and loan details

Add the home price, down payment, mortgage rate, and origination fee.

Adjust local fees and prepaids

Use estimates from your lender, title company, insurer, and local tax authority.

Apply confirmed credits

Enter lender and seller credits, then review net closing costs and cash to close.

Closing cost calculator FAQ

What is a closing cost calculator?

A closing cost calculator estimates the lender fees, title charges, taxes, prepaid expenses, credits, and cash a buyer may need when a home purchase closes.

How much are closing costs for a buyer?

Buyer closing costs often equal a few percent of the home price, but the actual amount depends on the loan, location, title company, taxes, insurance, and credits.

Does cash to close include the down payment?

Yes. This calculator adds the down payment to net closing costs after lender and seller credits to estimate total cash to close.

Can seller credits pay all closing costs?

Seller credits may cover eligible closing costs up to loan-program and contract limits. They generally cannot create cash back beyond permitted expenses.

Is this the same as a lender's Loan Estimate?

No. This is a planning estimate. Your lender's Loan Estimate and final Closing Disclosure contain the official transaction-specific figures.

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