Finance category
Mortgage, loan, investing, tax, and money calculators.
Closing Cost Allocation Calculator
Who pays what at closing is largely set by local custom, modified by seller concessions. This calculator splits the typical line items — commission, title, escrow, transfer tax, recording — between buyer and seller and handles common overrides.
negotiated concession
Buyer pays
$7,013
Seller pays
$23,983
Total closing costs
$30,995
Buyer % of sale price
1.65%
How the math works
Local custom drives closing cost allocation more than anything else. In most US markets, the buyer pays appraisal, origination, and owner's title; the seller pays commission, transfer tax, and owner's title (in some states). California and certain metros push more onto the seller.
Everything is negotiable. Seller credits effectively shift closing costs to the seller while keeping the sale price (and loan amount) constant. Cap concessions at the lender's maximum (typically 3%–6% depending on loan type and LTV).
How to Use
- Enter the sale price.
- Pick the local custom: buyer-pays-most, seller-pays-most, or split.
- Enter any seller concession the buyer negotiated. This shifts buyer cost onto the seller.
- Choose who pays the owner's title policy — this varies by state and sometimes by county.
Frequently Asked Questions
What's the national default for closing cost split?
In most US markets, buyers pay 2–4% of sale price and sellers pay 6–8% (mostly commission). California and some Northeast metros push owner's title and other items onto the seller.
Should I negotiate seller credits or a price reduction?
Seller credits preserve the sale price (and loan amount) while shifting costs. Price reductions lower the loan amount. Cash-constrained buyers usually prefer credits. Run our Seller Credit vs Price Reduction calculator.
What's the maximum seller concession?
Conventional loans: 3% at 90%+ LTV, 6% at 75–89% LTV, 9% at under 75% LTV. FHA: 6% flat. VA: 4% non-recurring. USDA: 6%. Confirm with lender before negotiating.
What about prepaids?
Prepaids (escrow funding, per-diem interest) are traditionally buyer-paid. A seller concession can cover them up to the maximum. They're not 'true' closing costs — they fund future obligations, not past ones.
Related Calculators
Closing Cost Calculator
Total closing costs on a purchase.
Seller Credit vs Price Reduction Calculator
Which structure serves the buyer better.
Seller Net Sheet Calculator
Full seller-side net calculation.
Seller Concession Calculator
Size and cap the concession.
Closing Disclosure Calculator
Final CD reconciliation.
Real Estate Commission Calculator
Biggest line item on the seller side.
More Finance Calculators
Browse all finance →AI Cost Calculator
Compare token costs across OpenAI, Anthropic, and Google AI models. Calculate monthly API spending for GPT-4o, Claude, Gemini, and more.
Tip Calculator
Calculate the perfect tip and split the bill between friends. Choose preset percentages or enter a custom tip amount.
Bill Splitter Calculator
Split an uneven restaurant bill by item, divide tax and tip proportionally, and see exactly who owes whom.
Discount Calculator
Calculate sale price, discount amount, stacked discounts, sales tax, and total savings for any markdown.
Gas Mileage Calculator
Calculate MPG or km/L, estimate trip fuel cost, and compare annual fuel expenses between two vehicles.
Sales Tax Calculator
Add sales tax to a price, reverse-calculate the pre-tax amount from a total, and estimate tax for multiple items on one receipt.
Keep exploring
Next steps in Finance
Previous calculator
Cleaning Fee Calculator
Price the cleaning fee for an Airbnb or vacation rental based on square footage, turnover complexity, and service level.
Next calculator
Closing Cost Calculator
Estimate lender fees, title charges, prepaids, escrow funding, and total cash to close on a home purchase.