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Closing Cost Calculator

Estimate a buyer's closing costs line by line (lender fees, appraisal, title insurance, transfer taxes, prepaid interest and escrow) and the cash needed to close, or a seller's costs and net proceeds.

Updated November 4, 2026. Free, no sign-up; everything runs in your browser and nothing you type is stored.

Closing cost calculator for buyers

Purchase price ($)Down payment (%)Mortgage rate (%)

Origination fee (% of loan)Discount points (% of loan)Appraisal ($)Credit report, flood cert, underwriting ($)Title insurance (% of price)Settlement/escrow fee ($)

Transfer tax paid by buyer (% of price)Recording fees ($)Days of prepaid interestProperty tax (% a year)Months of tax escrowHomeowners insurance ($/year)

Seller credits ($)Earnest money already paid ($)

Estimated closing costs + prepaids

–

–Closing costs

–Prepaids and escrow

–As % of price

–Cash to close (incl. down payment)

Seller's closing costs and net proceeds

Sale price ($)Agent commissions (%)Transfer tax paid by seller (%)Title, escrow, attorney, other ($)Credits / concessions to buyer ($)Mortgage payoff ($)

–Net proceeds to you

–Seller costs

How much are closing costs?

Buyers typically pay 2% to 5% of the purchase price in closing costs, plus prepaids (prepaid interest, the first year of homeowners insurance and an initial escrow deposit for taxes). The main items are lender charges (origination, points, underwriting), third-party services (appraisal, credit report, title search and insurance, settlement), and government charges (recording fees and, in some states, transfer or mortgage taxes).

Example: a $400,000 home with 10% down: about $8,500 of closing costs and about $4,160 of prepaids and escrow, or 3.2% of the price. With $4,000 of earnest money already paid, cash to close is about $48,700 including the $40,000 down payment.

Mortgage calculator with closing costs: what to compare

Every lender must give you a Loan Estimate within 3 business days of your application, using the same format, so you can compare offers line by line. Section A (origination charges) and the rate are the parts that differ most between lenders. You'll get the final Closing Disclosure at least 3 business days before closing.

Transfer taxes vary a lot by state

Some states charge no real estate transfer tax (for example Texas), while others charge 1% or more of the price in some cities. Who pays is set by local custom and your contract. Check your county recorder's site, or the fees section of your Loan Estimate, and enter the rate above.

Seller closing costs

Sellers typically pay 6% to 10% of the price, mostly agent commissions, plus any transfer tax, title (owner's policy in many states), escrow or attorney fees, and concessions to the buyer. Since August 2024, commissions are negotiated separately and buyer-agent pay is no longer set through the MLS, so check your listing agreement.

Closing costs calculator for buyer and seller

This is a closing costs calculator for buyer and seller, a closing fees calculator and a mortgage loan closing cost calculator: every fee line in the buyer box maps to a section of the Loan Estimate.

Common questions

How much are closing costs for a buyer?

Usually 2% to 5% of the price, plus prepaid interest, insurance and escrow deposits.

Can closing costs be rolled into the mortgage?

Sometimes, on refinances or with seller credits or a slightly higher rate (lender credits); on purchases you usually pay them in cash.

What is cash to close?

Down payment + closing costs + prepaids − earnest money − credits, the amount you bring to closing.

How much do sellers pay at closing?

Often 6% to 10% of the sale price, mostly commissions.

Where do I find my exact closing costs?

On the Loan Estimate from each lender and the Closing Disclosure 3 business days before closing.

Sources

General information, not financial, tax or legal advice. Check important numbers with the official source before acting on them.