Closing Cost Calculator

Build an itemized cash closing budget from quotes or transaction documents. Enter zero for categories that do not apply and avoid counting the same charge twice.

Enter your values to see an estimate. Enter 0 for amounts that do not apply.

How this calculator works

Adds the five entered category totals. Every amount comes from you; the calculator does not assume local tax rates or a percentage of the home price.

Worked example

Lender costs of 1,000, legal and title costs of 1,200, transfer charges of 500, prepaid items of 800 and other costs of 100 total 3,600.

Assumptions and limits

Actual charges depend on the transaction, location and provider. This total excludes the purchase down payment and any costs omitted from your entries. Prepaid items can include money held in escrow rather than a fee.

How to choose your inputs

Use itemized estimates or quotes for lender charges, legal/title work, transfer or recording charges, prepaid items and other costs. Put each charge in one category only. Keep the down payment separate: this tool adds closing items and does not calculate the entire cash-to-close adjustment for deposits, credits or money already paid.

How to interpret your result

Review which items are service fees and which fund future obligations such as escrow. A smaller entered total may reflect missing items rather than a better offer. Compare itemized quotes on the same basis, and update the calculation when final amounts arrive instead of applying an assumed local percentage that the tool does not know.

Primary references

CFPB: Loan Estimate explainer

This educational estimate uses your inputs. It is not individualized financial, tax, insurance, or investment advice, a lender offer, approval decision, or a promise of future results.

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