Closing Cost Calculator
Estimate cash needed at the table, line item by line item.
How this number is built
Doing it by hand
Step 1
Start from the purchase price and confirm your actual down payment.
Step 2
Ask the lender for a Loan Estimate — it lists every fee in a fixed format you can compare.
Step 3
Decide whether discount points make sense given how long you plan to stay.
Step 4
Check the local transfer tax; it varies enormously between counties.
Step 5
Add prepaid escrow, which is real cash even though it is not a fee.
What people ask next
Can closing costs be rolled into the loan?
Sometimes, usually at a slightly higher rate. You pay interest on them for the life of the loan.
Who pays what?
Custom varies by region, and some items are negotiable in the purchase contract, especially in a slower market.
Searches this page answers
| Related search | Goes to |
|---|---|
| closing costs | How to Calculate Closing Cost |
| how to calculate closing costs | How to Calculate Closing Cost |
Tools that follow from this one
Mortgage Payment Calculator
Full monthly payment including tax, insurance, PMI and HOA — plus the amortisation curve.
Mortgage & PropertyHome Affordability Calculator
How much house your income supports under the 28/36 underwriting rule.
Mortgage & PropertyRefinance Break-Even Calculator
How many months until a refinance pays back its own closing costs.
Mortgage & PropertyExtra Mortgage Payment Calculator
See how much interest and time an extra monthly payment removes.