Finance category
Mortgage, loan, investing, tax, and money calculators.
Closing Cost Calculator
Estimate the full upfront cash needed for a home purchase by combining lender fees, title charges, prepaid interest, escrow funding, seller credits, and your down payment.
Prepaids and Escrow Setup
Cash to Close
$56,373.46
Total Closing Costs
$11,373.46
Loan Amount
$405,000.00
Closing Costs as % of Price
2.53%
Closing Cost Breakdown
Useful for translating a lender estimate into real cash needed.
What to expect
Down payment
$45,000.00
10.0% down on a $450,000 home.
Lender + title side
$7,100.00
Includes points, lender charges, title work, transfer taxes, and property-related fees.
Prepaids + escrow funding
$4,273.46
These are not lender profit. They front-load tax, insurance, and interest so the loan can close.
Practical check
If your lender quote looks lower than this page, the most common missing items are prepaid interest, escrow deposits, inspection costs, or local title and transfer charges.
How to Use
- Enter the purchase price and down payment percentage so the loan amount and cash-to-close math use the right base.
- Add lender and title-side fees from your quote, including any points, transfer taxes, and appraisal or inspection costs.
- Estimate prepaid interest plus tax and insurance escrows so the closing table reflects more than just lender fees.
- Review total closing costs, credits applied, and final cash to close before comparing homes or lender offers.
Frequently Asked Questions
How much are closing costs on a house?
A common rule of thumb is roughly 2% to 5% of the purchase price, but the real number depends on lender fees, title charges, transfer taxes, prepaid interest, and how much tax and insurance escrow the servicer collects at closing.
Are prepaid taxes and insurance part of closing costs?
They are usually part of the cash you bring to closing even though they are not lender profit. Many buyers underestimate cash to close because they look only at lender fees and miss prepaid items and escrow funding.
What reduces cash to close?
Seller credits, lender credits, or a smaller down payment can reduce the amount you need at the table. The tradeoff is that lender credits may come with a higher rate and a smaller down payment can increase PMI or monthly payment.
Do closing costs change with loan size?
Some do. Discount points and prepaid interest move directly with the loan amount, while title, transfer, recording, and local fees may vary more by purchase price and market.
Is this a replacement for a Loan Estimate or Closing Disclosure?
No. This is a planning calculator. Your official Loan Estimate and Closing Disclosure are the documents to use when checking the exact figures on a live transaction.
Related Calculators
Refinance Closing Cost Calculator
Build the refinance version of this cash-at-close breakdown with an escrow refund from the old loan.
Down Payment Savings Calculator
Turn the cash-to-close result into a monthly savings target and target-date plan.
Down Payment Calculator
Compare different down payment levels, closing-cost assumptions, and PMI exposure.
Property Tax Calculator
Prepaid property tax is one of the biggest closing-day line items — size it from mill rate and assessed value.
Escrow Shortage Calculator
After closing, model how much the first year escrow analysis may swing if tax or insurance changes.
Mortgage Calculator
Estimate the monthly payment after you know the likely loan amount.
Seller Net Sheet Calculator
If you're also selling a home to fund the purchase, size the net proceeds first.
Earnest Money Calculator
Size earnest money, the first cash outlay on a purchase — it credits toward closing.
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See how much extra cash-to-close a low appraisal would add if you committed gap coverage.
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