Closing Costs Calculator
Fill in the values and the answer updates as you type.
How the Closing Costs Calculator works
Total = lender fees (percent of loan) + title and escrow and transfer taxes (percent of price) + fixed fees + prepaid items. The loan is the price minus the down payment. Real costs vary by country, state, and lender, so use this as a planning figure and compare it with the official loan estimate. Example: A $350,000 home with 10 percent down has a $315,000 loan. Lender fees of $3,150, title of $2,100, transfer taxes of $1,750, $1,800 of fees, and $3,000 prepaid come to $11,800, or 3.37 percent of the price.
Inputs and results
The Closing Costs Calculator takes 7 inputs and gives 4 results.
What you enter
- Home price ($) — starts at 350000.
- Down payment (%) — starts at 10.
- Lender fees (% of loan) — starts at 1.
- Title and escrow (% of price) — starts at 0.6.
- Transfer or recording taxes (% of price) — starts at 0.5.
- Appraisal, inspection, and other fees ($) — starts at 1800.
- Prepaid taxes and insurance ($) — starts at 3000.
What you get
- Total closing costs
- Closing costs as a share of price
- Lender fees
- Cash to close including down payment
Example: Closing Costs Calculator with the starting values
With home price 350000 $, down payment 10 %, lender fees 1 % of loan, title and escrow 0.6 % of price and transfer or recording taxes 0.5 % of price, the calculator returns:
| Total closing costs | $11,800 |
|---|---|
| Closing costs as a share of price | 3.37% |
| Lender fees | $3,150 |
| Cash to close including down payment | $46,800 |
Change any value above and the results update straight away.
Closing Costs Calculator FAQ
How do I use the Closing Costs Calculator?
Enter home price, down payment, lender fees and title and escrow in the fields, then read total closing costs, closing costs as a share of price, lender fees and cash to close including down payment in the result panel. The answer updates as you type, and you can press Calculate or Enter to refresh it. Use “Copy link” to share your exact numbers with someone else.
What does the Closing Costs Calculator calculate?
Estimate buyer closing costs from the loan and the price. It returns total closing costs, closing costs as a share of price, lender fees and cash to close including down payment from the 7 values you provide.
What values does the Closing Costs Calculator start with?
It opens with home price 350000 $, down payment 10 %, lender fees 1 % of loan and title and escrow 0.6 % of price so you can see a working result straight away. Replace them with your own numbers, or press Reset to return to these starting values.
Is the Closing Costs Calculator free and private?
Yes. It is free, needs no account, and runs in your browser, so nothing you type is sent to or stored on our servers. See the Privacy Policy for details.
Can I rely on the Closing Costs Calculator for financial decisions?
Treat the result as a well-rounded estimate. Real situations often have details a general calculator cannot know, so confirm financial decisions with a qualified professional. See the Disclaimer for more.