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Home & Mortgage

Closing Cost Calculator

Estimate the upfront fees to close on a home — origination, title, appraisal, and prepaids — plus the total cash you’ll need at signing.

Purchase & fees

Typical closing costs run 2%–6% of the price. Adjust any line to match your estimate.

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$80,000 down

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% of loan amount

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% of home price

Your closing costs

Estimated closing costs

$10,600

about 2.6% of the price · $90,600 total cash to close

Loan origination

$2,400

Title & escrow

$2,000

Down payment

$80,000

Cash to close is your down payment plus closing costs — the total you'll need at signing. Some costs are negotiable, and sellers or lenders can sometimes cover part of them.

The cost beyond the down payment

Buyers often save for a down payment and forget closing costs — the fees required to finalize the loan and transfer the home. They can add thousands to what you need at signing. This calculator adds the down payment and fees into a single cash to close figure.

Where the money goes

The largest pieces are usually lender origination, title insurance, and prepaid escrow for taxes and insurance. Several fees are negotiable or can be covered by a seller credit, so it's worth comparing loan estimates from more than one lender.

Plan the full purchase

See what price fits your income with the affordability calculator, estimate the ongoing payment with the mortgage calculator, and check whether refinancing later pencils out with the refinance calculator.

Related calculators

Mortgage CalculatorFull monthly payment — principal, interest, taxes, insurance, and PMI.Refinance CalculatorBreak-even point and lifetime savings from refinancing your mortgage.Home Affordability CalculatorThe home price your income and debts can support.Rent vs. Buy CalculatorCompare the true cost of renting against buying over time.

Frequently asked questions

How much are closing costs?
Typically 2%–6% of the purchase price. On a $400,000 home, that’s roughly $8,000–$24,000, depending on your lender, location, and loan type. This calculator itemizes the main pieces so you can refine the estimate.
What’s included in closing costs?
Lender/origination fees, title insurance and escrow, appraisal and inspection, recording and transfer fees, and prepaid items like property tax and homeowners insurance held in escrow.
What is “cash to close”?
Your down payment plus closing costs — the total money you need available at signing. It’s the number to have saved before you make an offer.
Can I reduce closing costs?
Sometimes. You can shop lenders and title companies, ask the seller for a credit, or choose a lender-credit option that trades a slightly higher rate for lower upfront costs.