Closing Costs Calculator

Estimate the fees and prepaid expenses due with your down payment.

Your inputs

Estimate details

All calculations run locally in your browser. No data is stored.

Total closing costs$13,200
Lender fees$3,200
Title & third-party fees$6,000
Loan amount$320,000

Actual fees vary by lender, location, loan type, taxes, insurance timing, and negotiated credits.

How this calculator works

The estimate combines lender charges based on loan size, title and third-party charges based on purchase price, and prepaid costs such as taxes, insurance, and interest.

Change any input to update the estimate instantly. Your entries never leave your device.

Frequently asked questions

How much are typical closing costs?

They vary widely by location and loan, but buyers often budget a few percent of the purchase price in addition to the down payment.

Is the down payment a closing cost?

No. This tool shows closing costs separately and adds the down payment only when estimating total cash to close.

Can the seller pay some costs?

Sometimes. Seller credits and lender credits depend on your contract and loan rules and are not included here.