Closing Cost Calculator (Home Purchase)
Estimate closing costs and cash to close when buying a home — loan fees, points, appraisal, title insurance, escrow, prepaid interest and taxes, transfer tax — itemised, with the typical 2–5% range.
For information and education only — not financial advice. Results are estimates based on the numbers you enter; check important decisions with a qualified professional.
How to use
- 1Enter the home price, down payment and interest rate.
- 2Adjust fees and your state's transfer tax if you know them.
- 3See itemised closing costs and your total cash to close.
How it's calculated
Cash to close = down payment + lender fees (origination % + points) + third-party fees (appraisal, title, settlement, recording) + transfer tax + prepaids (interest to month-end, 12 months of insurance, property tax escrow) − any seller credits.
Frequently asked questions
How much are closing costs?
Usually 2–5% of the loan amount for buyers, depending on the state, lender and whether you buy points.
Can the seller pay my closing costs?
Yes, through seller concessions — typically capped at 3–6% of the price for conventional loans and 6% for FHA loans.
When do I get the exact figures?
Your lender must send a Loan Estimate within 3 business days of your application and a Closing Disclosure at least 3 business days before closing.