Mortgage Closing Costs Calculator

Estimate your total closing costs for a home purchase, including lender, third-party, and government fees. Get a detailed breakdown by state and property type.

Get Started How it works
Closing Costs illustration
Step 1 of 8

Closing Costs Inputs

Home Price
Down Payment
State
Property Type
Are you a first-time buyer?

How This Closing Cost Calculator Works

Our closing cost calculator estimates total closing costs for a home purchase using typical percentages and averages by state and property type. Actual costs may vary by lender and location.

Cost Categories

  • Lender fees: Origination, application, underwriting, and other lender charges
  • Third-party fees: Appraisal, credit report, title insurance, and related services
  • Government fees: Recording fees, transfer taxes, and state/local charges
  • Prepaid costs: Prepaid interest, property taxes, and homeowners insurance

How We Estimate

We apply region-specific rates and typical percentages to your loan amount and home value. Total closing costs = Sum of all fee categories.

Tips

  • Closing costs typically range from 2% to 5% of the home price
  • Some costs are negotiable or may be paid by the seller
  • Request a Loan Estimate (LE) from your lender for accurate numbers
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