Loading calculator…
Estimate the closing costs on a home purchase so you can budget cash to close.
We sum the percentage-based fees (title, origination) against the price/loan, then add fixed items (appraisal, recording, prepaid escrow).
Buyers cover most of them, though sellers sometimes contribute via concessions negotiated into the purchase contract.
Typically 2–5% of the purchase price, depending on your state, lender, and prepaid escrow amount.
Sometimes — for refinances often, for purchases rarely. Adding to the loan raises the rate or the balance financed.
Insurance premium, property taxes, and interest paid at closing to set up the escrow account.
Yes — it protects against undiscovered claims on the property's title and is usually required by the lender.
Results are estimates for educational purposes only and are not financial advice. Verify with a qualified professional before making decisions.
Last updated October 2026