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Closing Costs Calculator

Ballpark the closing costs and total cash you may need at the table.

Estimated closing costs

$8,150

About 2.0% of the price

Lender / origination$1,500
Title & escrow$2,000
Appraisal$650
Prepaid taxes$2,200
Prepaid insurance$1,800
Estimated cash to close (with down payment)$48,150

Estimates only. Your actual numbers depend on your loan, credit, and property. Closing costs commonly run roughly 2-5% of the price, but vary by location and loan. Some costs may be covered by seller or lender credits.

How do I read this closing cost estimate?

The big number is your estimated closing costs, and the breakdown shows where they come from. The last row adds your down payment to estimate total cash to close. Adjust the fee inputs to match a Loan Estimate if you have one, since real figures vary by lender, location, and loan type.

Why do closing costs vary so much?

Closing costs swing based on your state, your loan type, the price, and how many months of taxes and insurance get collected up front. Title and recording fees differ by location too. That's why a clean estimate matters early, so the cash you need at the table isn't a surprise. I can tighten it up for you.

Common questions

Closing costs are the fees you pay to finalize a home purchase, on top of your down payment. They include lender fees, title and escrow charges, an appraisal, and prepaid items like property taxes and the first year of insurance. They commonly run roughly 2% to 5% of the purchase price.

Your cash to close is usually your down payment plus your closing costs, minus any credits from a seller or lender. This calculator adds those together so you can plan. The exact figure shows up on your official disclosures before closing, and I'll always walk you through it line by line.

Sometimes, yes. Sellers may offer credits, some loan programs allow gift funds, and lenders can offer credits in exchange for a slightly different rate. Whether these fit your situation depends on the deal and program. I can show you which options may be on the table before you write an offer.

Last updated: June 5, 2026

This calculator is for educational estimates only. It isn't an offer to lend, a quote, or a commitment to make a loan. Your actual numbers depend on your loan, credit, property, and other factors. Rates and programs may change without notice.

Estimates are great. A real plan is better.

60 seconds. No credit pull. Real options.

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