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Closing Cost Estimate Calculator

Estimate your upfront expenses before closing day. Closing costs often include lender fees, third-party services, prepaid items, escrow reserves, and other required costs. Use this tool to prepare, avoid surprises, and plan your total cash-to-close.

Purchase Details

Purchase Price Enter the expected home purchase price.

Down Payment Type

Down Payment Currently using 5% of purchase price.

Interest Rate (%) Used to estimate prepaid interest.

Prepaid Interest Days

Quick estimate range

Low Estimate (%)

High Estimate (%)

Lender & loan costs

Origination / Lender Fee (% of loan)

Discount Points (% of loan)

Upfront Mortgage Insurance / Funding Fee (% of loan) Set to 0 if this does not apply.

Third-party & government fees

Appraisal / Inspection Fees

Credit Report / Processing

Title / Settlement (% of price)

Recording / Transfer (% of price)

Attorney / Survey / Other Fees

Prepaids & escrow reserves

Annual Property Taxes

Annual Homeowners Insurance

Tax Months Due at Closing

Insurance Months Due at Closing

Tax Escrow Cushion Months

Insurance Escrow Cushion Months

Credits

Seller Credits

Lender Credits

Estimated Cash to Close

$0

Down payment plus estimated net closing costs.

Net Closing Costs

$0

After seller/lender credits.

Down Payment

$0

Loan amount: $0

Quick 2%–5% Range

$0–$0

Common planning range based on purchase price.

Planning note: Closing costs are separate from your down payment. This estimate helps you prepare for the upfront cash needed at closing.

Closing Cost Position

Shows where the detailed estimate falls within your selected low/high range.

0.0% of price

2% Estimated Position 5%

Cost Breakdown

Detailed Summary

Planning Scenarios