Closing Cost Calculator — Estimate Your Home Closing Costs

Home Purchase Price ($)Enter a valid price.

Estimated Closing Cost (%)Typically 2-5% of purchase price

Estimated Closing Costs

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How to Use This Tool

Enter your home purchase price.
Adjust the estimated closing cost percentage if you have a more specific figure.
Click Calculate for your estimated closing costs.

What's Included in Closing Costs

Closing costs typically range from 2% to 5% of the home's purchase price and can include:

Loan origination fees
Appraisal and inspection fees
Title insurance and search fees
Attorney fees (required in some states)
Recording fees and transfer taxes
Prepaid property taxes and homeowners insurance (escrow setup)

Why This Is a Rough Estimate

Exact closing costs vary significantly by location, lender, loan type, and negotiated terms. For a precise figure, review your lender's Loan Estimate document, which itemizes expected closing costs specific to your loan.

Who Pays Closing Costs?

Typically the buyer pays most closing costs, though sellers often pay real estate commission and sometimes negotiate to cover a portion of the buyer's costs as a concession.

Frequently Asked Questions

Can I negotiate who pays closing costs?

Yes, in many markets buyers can negotiate for the seller to contribute toward closing costs (a "seller concession"), though this is subject to loan program limits and market conditions.

Where can I find my exact closing costs?

Your lender is required to provide a Loan Estimate early in the process and a Closing Disclosure shortly before closing, both itemizing your specific expected closing costs.

This calculator is provided for general informational and estimation purposes only. Results should not be treated as professional financial, tax, legal, medical, or engineering advice. Always verify critical calculations with a qualified professional or official source before making decisions.