Closing Cost Calculator
Estimate the fees you'll owe at closing — origination, title, taxes, and flat costs — as a total and a share of the home price.
Estimate your closing costs
Closing costs are the fees you pay on top of the down payment to seal the deal — usually 2% to 5% of the price. Adjust each percentage and the flat fees to fit your lender's quote.
Total closing costs
$10,500
2.63% of the home price
Loan origination
$3,200
Title + escrow
$2,000
Taxes + flat fees
$5,300
Prepaid taxes plus the flat items
How it works
Closing costs are everything you pay to finalize the sale on top of your down payment. Some scale with the loan, some with the price, and some are flat. This tool splits them into four adjustable buckets so you can match whatever your lender's estimate actually says.
Origination is a percentage of the loan amount — the fee for making the loan. Title and escrow, plus prepaid and transfer taxes, are figured against the home price. Flat fees roll up the appraisal, inspection, credit pull, and recording charges into one editable number.
On a $400,000 home with $80,000 down, a 1% origination on the $320,000 loan is $3,200. Add 0.5% title, 0.7% taxes on the price, and $2,500 in flat fees and you're near $10,500 — about 2.6% of the price. Most buyers land somewhere between 2% and 5%.
Frequently asked questions
How much are closing costs usually?
For buyers, plan on roughly 2% to 5% of the purchase price. The spread depends on your loan type, your state's transfer taxes, and whether you're prepaying much into escrow. This tool lets you dial each piece to your own quote.
Are closing costs separate from the down payment?
Yes, entirely. The down payment goes toward the home's price and builds your equity. Closing costs are fees for the loan and the paperwork, and they don't count toward what you own. Budget for both.
Can I get the seller to cover some?
Often, yes. Seller concessions can cover part of the buyer's closing costs, though loan programs cap how much. It's a common negotiating point, so ask your agent whether it's realistic in your market.