Closing Cost Calculator
Estimate the closing costs on a home purchase so you can budget cash to close.
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How it works
We sum the percentage-based fees (title, origination) against the price/loan, then add fixed items (appraisal, recording, prepaid escrow).
Frequently asked questions
Who pays closing costs?
Buyers cover most of them, though sellers sometimes contribute via concessions negotiated into the purchase contract.
How much should I expect?
Typically 2–5% of the purchase price, depending on your state, lender, and prepaid escrow amount.
Can I roll closing costs into the loan?
Sometimes — for refinances often, for purchases rarely. Adding to the loan raises the rate or the balance financed.
What are prepaid items?
Insurance premium, property taxes, and interest paid at closing to set up the escrow account.
Is title insurance worth it?
Yes — it protects against undiscovered claims on the property's title and is usually required by the lender.
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View all mortgage →Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated January 1970