Closing Cost Calculator
Estimate buyer closing costs on a home purchase. Add lender fees, title, prepaids and transfer tax to see your closing costs, percent of price and total cash to close.
Updated 2026-06-14 · Free · No sign-up · Runs privately in your browser
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How the Closing Cost Calculator Works
When you buy a home, the cash you need at the closing table is more than just the down payment. Closing costs are the lender, title, government and prepaid charges required to finalize the loan and transfer ownership. This calculator adds them up and shows them as a dollar figure, as a percentage of the home price, and combined with your down payment as the total cash to close.
The Formula
Closing costs = lender fees + title & escrow + prepaids + transfer tax & other Cash to close = down payment + closing costs
Enter each category of cost. The calculator sums the closing costs, divides by the home price to show the percentage, then adds your down payment to give the total cash you must bring.
Worked Example
For a $400,000 home with 20% down:
- Down payment = 400,000 × 20% = $80,000
- Lender fees $3,500 + title/escrow $2,800 + prepaids $3,200 + transfer tax/other $2,000 = $11,500 closing costs
- That is 2.88% of the price — within the typical 2–5% range
- Total cash to close = $80,000 + $11,500 = $91,500
Typical Closing Cost Ranges
| Cost item | Typical range |
|---|---|
| Lender & origination fees | $1,500 – $5,000 |
| Appraisal | $400 – $750 |
| Title search & insurance | $1,000 – $4,000 |
| Prepaids (taxes, insurance, interest) | varies widely |
| Transfer tax & recording | 0% – 2% of price |
Ask your lender for a Loan Estimate within three business days of applying — it itemizes every fee so you can replace the estimates above with real numbers.
Frequently asked questions
How much are closing costs on a house?+
Buyer closing costs typically run about 2% to 5% of the home's purchase price. On a $400,000 home that is roughly $8,000 to $20,000, on top of your down payment. The exact figure depends on your loan type, location, lender fees and how much of your taxes and insurance must be prepaid at closing.
What is included in closing costs?+
Closing costs usually include lender and origination fees, the appraisal, title search and title insurance, escrow or attorney fees, recording fees, transfer taxes, and prepaid items such as the first year of homeowners insurance, prorated property taxes and prepaid mortgage interest.
Are closing costs separate from the down payment?+
Yes. The down payment goes toward the price of the home and builds your equity, while closing costs pay for the services and taxes needed to complete the purchase. Your total cash to close is the down payment plus the closing costs, which is what this calculator shows.
Can closing costs be rolled into the loan?+
Sometimes. With a no-closing-cost loan the lender covers the fees in exchange for a higher interest rate, and some refinances let you add costs to the loan balance. On a purchase you can also ask the seller for a credit toward closing costs, which is common in a buyer's market.
Who pays closing costs, the buyer or the seller?+
Both pay costs. Buyers usually pay lender fees, the appraisal, title insurance and prepaids, while sellers typically pay the real estate agent commissions and sometimes transfer taxes. This calculator estimates the buyer's side; local custom and your contract determine who pays what.