Closing Costs Calculator — No Surprises at the Closing Table
Know exactly how much cash you need to close before you make an offer. Get an itemized breakdown in under a minute.
What you'll need
- Home purchase price
- Down payment amount
- Loan type (Conventional, FHA, or VA)
What's included in your estimate
Loan origination fee
~0.75% of loan amount
Title insurance
~0.5% of home price
Appraisal fee
Typically $400–$600
Home inspection
Typically $300–$500
Prepaid property tax
2 months escrow
Prepaid homeowners insurance
1 year upfront
FHA / VA loan fees
If applicable
Recording & title search
Government fees
How It Works
Enter the purchase price
Your home's contract price drives most closing cost estimates.
Select your state
Transfer taxes and recording fees vary significantly by location.
Review itemized costs
Get a full breakdown of lender fees, title, escrow, and prepaid items.
Typical Closing Cost Breakdown
| Cost Item | Typical Range |
|---|---|
| Loan origination fee | 0.5–1% of loan |
| Appraisal fee | $400–$700 |
| Title insurance | $700–$2,000 |
| Escrow / settlement fee | $500–$1,500 |
| Prepaid interest | 0–30 days of interest |
| Property tax escrow | 2–3 months |
Total closing costs typically run 2–5% of the purchase price.
Frequently asked questions
How much are closing costs on a house?
Closing costs typically range from 2% to 5% of the loan amount. On a $400,000 home with 10% down ($360,000 loan), expect $7,200–$18,000 in closing costs. This includes lender fees, title insurance, prepaid taxes, and insurance.
What closing costs can the seller pay?
Sellers can pay buyer closing costs as a concession, typically up to 2–6% of the purchase price depending on loan type. This is negotiated in the purchase offer and can significantly reduce your out-of-pocket cash at closing.
Can I roll closing costs into my mortgage?
On some loan types (especially VA and USDA), you can finance closing costs into the loan. With conventional loans, this is limited. Rolling costs in means paying interest on them over the life of the loan, increasing your total cost.
What are prepaid costs at closing?
Prepaid costs are upfront payments for ongoing expenses: homeowners insurance (12 months prepaid), property tax escrow (2–3 months), and prepaid mortgage interest (from closing day to the end of the month). These aren't fees — you'd pay them regardless, just not all at once.
Authoritative resources
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