Closing Cost Calculator
Estimate the closing costs on a home purchase (lender origination plus appraisal, title, inspection, recording, and prepaids) as a dollar total and a percentage of price and loan. Runs in your browser.
Estimated closing costs
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Show the math
Closing costs are the lender's origination fee plus every other line item:
total = loan × origination% + appraisal + title + inspection + recording + prepaids + other
Closing costs typically run 2–5% of the loan. Figures here are estimates for planning, your lender's Loan Estimate is the authoritative breakdown. Everything is calculated locally in your browser.
What this does
A closing cost calculator estimates the one-time costs of buying a home (lender origination plus appraisal, title, inspection, recording, and prepaids) as a dollar total and a share of the price and loan.
How it works
Lender and third-party fees are summed, then prepaid escrow items such as property tax and homeowners insurance are added. The total is shown against the purchase price and loan amount.
How to use it
- Enter the purchase price and loan amount.
- Add the origination percentage and flat fees.
- Add prepaid taxes and insurance.
- Read the total cash to close.
Understanding your result
Closing costs commonly run 2–5% of the loan amount. Compare the total against a lender Loan Estimate, which itemises every fee for your specific loan.
Example
On a $300,000 loan, 3% in closing costs is about $9,000 on top of your down payment.
Sources & methodology
- CFPB, Understanding the Loan Estimate, Itemised closing costs for a specific loan
Last updated .
Frequently asked questions
How much are closing costs?
They commonly run 2–5% of the loan amount, covering lender, title, appraisal, and prepaid items. Enter your own figures to match a lender Loan Estimate.
What is the origination fee?
A charge from the lender for processing the loan, usually quoted as a percentage of the loan amount (often around 1%). The tool computes it from the percentage you enter.
What are prepaids and escrow?
Amounts collected up front to fund your escrow account (typically several months of property taxes and homeowners insurance) so the lender can pay those bills when due.
Do you store my numbers?
No. Everything is calculated locally in your browser, nothing is uploaded or saved.
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