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Estimate the buyer's closing costs on a home purchase: lender fees, appraisal, title insurance, transfer taxes and prepaid taxes and insurance, plus cash to close.
How much are closing costs?
Everything happens on your device: nothing is uploaded to the internet.
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Closing costs calculator: what it is for
Enter the purchase price and your down payment, then adjust the typical costs: lender origination fee, appraisal, title insurance, transfer tax, recording and other fees, and the prepaid property tax and insurance that go into escrow. The calculator adds everything up, shows it as a share of the price and tells you the cash you need on closing day.
Your lender's Loan Estimate has the exact figures.
How to use
- Enter the price and down payment.
- Adjust the fees for your lender and state.
- See closing costs and cash to close.
When to use it
- Saving the right amount before buying.
- Checking a Loan Estimate.
- Negotiating seller credits.
Frequently asked questions
How much are closing costs for a buyer?
Usually 2% to 5% of the purchase price, depending on the state, the lender and the loan. Transfer taxes and title insurance vary the most from place to place.
What is cash to close?
The total you bring on closing day: your down payment plus closing costs and prepaid items, minus any earnest money deposit and seller credits.
Can I lower closing costs?
Compare Loan Estimates from several lenders, shop for title insurance where allowed, ask the seller for credits, or look for state first-time buyer programs.
Is it really free?
Yes, 100% free. No sign-up, no subscription and no usage limits. All Tools123 tools are free and run right in your browser.