US Closing Costs Calculator
Estimate closing costs for home purchase. Shows lender fees, insurance, property tax and other costs in buyer and seller estimates.
Property Details
$
$
Down Payment: $70,000 (20.0%)
Total Closing Costs
$24,150
6.90% of home price
Cost Range
Typically 2% - 5% of home price
$7,000 - $17,500
Closing Cost Breakdown
Loan Origination Fee$2,800
Discount Points$1,400
Home Appraisal$1,120
Title Search & Insurance$2,100
Survey$560
Attorney Fees$2,240
Inspections$840
Recording & Transfer Fees$2,800
Prepaid Property Taxes$2,625
Prepaid Homeowners Insurance$875
State Transfer Tax (CA)$3,850
Total$24,150
Home Price
$350,000
Down Payment
$70,000
Loan Amount
$280,000
💡 Closing Cost Tips
- • Get a Loan Estimate within 3 days of applying - it shows estimated closing costs
- • Get a Closing Disclosure 3 days before closing to review actual costs
- • Some fees can be negotiated with the lender
- • Compare quotes from multiple lenders to reduce costs
- • Ask about No-Cost loans (fees rolled into mortgage) vs. reduced fees
- • Some costs may be tax-deductible (property taxes, mortgage interest)
Related Tools
US Rent Affordability Calculator
💰 FinanceCalculate how much rent you can afford based on income. Uses 30% rule and debt-to-income ratio to show safe rent range and required salary.
US Property Tax Estimator
💰 FinanceEstimate annual property tax by state and county based on home value and tax rates. Helps buyers understand real estate tax liability before purchase.