Closing Cost Calculator

Estimate your total closing costs — itemized into lender fees, title, prepaids, and more — plus the full cash you'll need to bring to the closing table.

Home Price

Down Payment(10.0% down)

Discount Points (optional)(1 point = 1% of loan)

pts

Estimated Closing Costs

$11,050

About 2.8% of the purchase price (typical range 2–5%).

Total Cash to Close

$51,050

Down payment $40,000 + closing costs $11,050.

Itemized Closing Costs

Lender fees (origination, underwriting, credit)	$2,700
Appraisal	$600
Title insurance & escrow/settlement	$2,000
Recording fees & transfer taxes	$1,600
Survey, pest & other third-party	$450
Prepaids & escrow setup (taxes, insurance, interest)	$3,700
Total Estimated Closing Costs	$11,050

What's Actually in Your Closing Costs?

Closing costs are all the one-time fees you pay to finalize the purchase and set up your loan. Nationally they run about 2–5% of the price, though transfer taxes and title rules vary a lot by state, so your real number may land outside this estimate.

✓ Lender fees cover origination, underwriting, processing, your credit report, and any discount points you buy.
✓ Title & escrow includes the lender's title policy, an owner's policy, and the settlement agent who runs the closing.
✓ Government charges are recording fees and state/local transfer taxes — the biggest wildcard region to region.
✓ Prepaids aren't really fees — they front-load property taxes, homeowners insurance, and interest into an escrow account.

How to Pay Less at Closing

✓ Compare Loan Estimates from at least 3 lenders — origination and title fees vary by thousands.
✓ Ask the seller for a credit toward closing costs, especially in a buyer's market.
✓ Shop your own title company — you're not required to use the lender's pick.
✓ Check first-time buyer and down payment assistance programs — some cover closing costs too.

Full Closing Costs Guide →Save Money on Closing →

Budgeting your full move-in number? Pair this with our first-time homebuyer cost breakdown and run the monthly payment in the mortgage calculator.

Frequently Asked Questions

How much are closing costs on a house?

Closing costs usually run 2% to 5% of the purchase price. On a $400,000 home that's roughly $8,000 to $20,000. The biggest swing factor is your state's transfer taxes and title insurance rules, which vary widely.

What is “cash to close”?

Cash to close is the total amount you need at the closing table: your down payment plus closing costs, minus any deposits (earnest money) or seller credits already applied. Your lender's Closing Disclosure shows the exact figure a few days before closing.

Are closing costs separate from the down payment?

Yes. The down payment is your equity stake in the home; closing costs are the fees to originate the loan and transfer the property. You pay both at closing, which is why your total cash needed is higher than the down payment alone.

Are discount points worth it?

Buying points lowers your interest rate but raises your closing costs now. They pay off only if you keep the loan long enough to recoup the upfront cost through lower monthly payments. The longer you'll stay, the more sense points make.

Can closing costs be rolled into the loan?

Sometimes. On a refinance you can often roll costs into the balance, and some purchase loans allow a slightly higher rate in exchange for lender credits that offset fees. You pay more interest over time, but you bring less cash to closing.