Finance category
Mortgage, loan, investing, tax, and money calculators.
Closing Cost Stack Calculator
Closing costs stack up across title, legal, recording, taxes, and lender fees.
Total closing cost
$738,500
Closing % of price
0.030%
Lender closing cost
$200,000
How the math works
Total = title + transfer + recording + legal + lender.
$25M × 0.6% = $150k title + $350k transfer + $3.5k recording + $35k legal + $200k lender = $738k total.
How to Use
- Enter purchase price.
- Enter title insurance % of price.
- Enter transfer tax %.
- Enter recording fees.
- Enter legal fees.
- Enter lender closing cost %.
- Read total closing costs.
Frequently Asked Questions
Typical closing costs?
Total: 1.5-3.5% of purchase price. Title insurance: 0.5-1%. Transfer tax: 0-2.5% (jurisdiction specific). Legal: 0.1-0.4%. Recording: 0.05-0.15%. Lender origination: 0.5-1.5%. Other: 0.2-0.8%.
Geographic variance?
NYC: 3-4% (high transfer tax). Texas: 0.5-1.5% (no state transfer tax). FL: 1-2.5%. CA: 1-2%. Each state/city has distinct fee structure. Always account in underwriting.
Negotiation?
Some costs negotiable between buyer/seller (transfer tax split varies). Lender fees competitively quotable. Title insurance: pick enhanced vs basic. Legal: RFP with 3 firms for large deals. 10-20% cost savings possible through active management.
How often should I rerun this?
Rerun this calculator whenever inputs change materially — new rent roll data, rate moves, loan balance updates, or quarterly operating data. For active deals, monthly refresh is typical. For stabilized assets under monitoring, quarterly is fine. Treat the output as a decision tool, not a one-time answer — market conditions evolve and so should your analysis.
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