Closing Costs Calculator
Estimate the cash you will need at the closing table, beyond your down payment. Costs vary by state, lender, and loan program. Adjust any line item to match what your loan officer is quoting.
Your numbers
Itemized closing costs
Defaults are typical national averages and rebuild from the home price until you edit any line item.
Total cash to close
Range estimate
Closing costs typically run 2 to 5% of the purchase price for a buyer. The itemized total above is what you actually plug in line by line.
What is in closing costs
Lender fees (origination, underwriting, processing), third-party fees (appraisal, title, escrow, recording), and prepaid items (property taxes, homeowners insurance, prepaid interest). Some of these you can shop for, some you cannot. Your Loan Estimate breaks this out the same way.
Want a real Loan Estimate, not a rough estimate?
Talk it through with a loan officer to walk through how to receive a real Loan Estimate with itemized closing costs based on your loan, your property, and your state.
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Open calculatorFrequently asked questions
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Mortgage Payment Calculator
Estimate your full monthly payment including principal, interest, taxes, insurance, HOA, and PMI.
Open calculatorAffordability Calculator
See the home price you can comfortably afford based on income, debts, and target debt-to-income ratio.
Open calculatorRent vs Buy Calculator
Compare renting versus buying over 5, 7, and 10 years. Surfaces the breakeven year in plain English.
Open calculatorCan I Qualify?
Walk through the qualification questions a loan officer asks first to get a directional answer.
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