Finance category
Mortgage, loan, investing, tax, and money calculators.
Closing Disclosure Calculator
Build the cash-to-close exactly the way the closing disclosure does it: loan costs (A+B), other costs (E), prepaids (F) and escrow (G), then subtract credits and earnest money.
Loan basics
Section A & B — Loan costs
Section E — Other costs
Section F & G — Prepaids and escrow
Credits
Total cash at closing
$98,300
net of credits and earnest
Total closing costs
$13,300
Loan + service costs (A+B)
$4,350
Prepaids + escrow (F+G)
$3,950
How to read the closing disclosure
The CD groups costs into Loan Costs (A: origination, B: services), Other Costs (E: title, recording, transfer tax), Prepaids (F: interest, insurance, taxes paid in advance), and Initial Escrow Setup (G).
Compare your final CD to the original Loan Estimate. Most line items are tolerance-controlled (zero or 10% tolerance based on category). Significant changes require a revised CD and an additional 3-day waiting period before closing.
EveryCalc calculators are designed for fast, practical estimates with transparent inputs and no required account. We use plain formulas, visible assumptions, and related tools so visitors can check the result from more than one angle.
Results are informational only. For financial, tax, legal, medical, construction, or other high-impact decisions, verify the output against primary sources or a qualified professional.
Learn more about our review process on the EveryCalc methodology page.
How this calculator works
What this page estimates
This Closing Disclosure Calculator is built to give a quick, browser-based estimate for closing disclosure. Build the cash-to-close exactly the way the closing disclosure does it: loan costs (A+B), other costs (E), prepaids (F) and escrow (G), then subtract credits and earnest money. The inputs stay on the page during normal use, and the result should be treated as an estimate for planning, comparison, or education rather than professional advice.
Calculation approach
The calculator applies the standard relationship implied by the inputs, then formats the answer so it can be checked and reused. For finance tools, the most important step is using consistent units, rates, time periods, and assumptions before comparing the result with another calculator or outside quote.
Example workflow
For example, start with a realistic value you already know, change one input at a time, and watch how the answer moves. That makes it easier to tell whether the result is being driven by the main amount, the rate, the time period, or a unit conversion.
Practical checks
- Use current, real-world numbers when the result affects money, health, tax, or legal decisions.
- Run a low, base, and high case when the inputs are estimates.
- Check the related calculators below when the next decision depends on a different assumption.
How to interpret the closing disclosure result
Best use
Use the result as a planning number for comparing payments, rates, returns, tax reserves, or cash-flow choices before you request a quote or make a commitment.
Cross-check
Compare the answer with the contract, lender estimate, tax form, brokerage statement, payroll record, or invoice that will control the real-world outcome.
Watch for
Do not rely on a single optimistic rate, return, or fee assumption. Money pages work best when you run low, base, and high cases and keep professional advice separate from the estimate.
This page belongs to the Finance calculator library, so the answer should be read in the context of the decision you are modeling rather than as a universal rule.
Before relying on this closing disclosure estimate
Most calculator mistakes come from the inputs, not the arithmetic. Use this short audit before you reuse the answer in a spreadsheet, quote, application, or important conversation.
Confirm source numbers
Match balances, rates, fees, taxes, income, and payment dates against the lender quote, payroll record, tax form, statement, invoice, or contract.
Separate cash flow from total cost
A lower monthly payment can still cost more over time if fees, interest, taxes, or a longer term are hidden in the structure.
Run conservative cases
Test at least one higher-cost or lower-return case before using the output for a purchase, refinance, investment, loan, or tax decision.
Rerun this page when the rate, price, term, fee, tax rule, income, expense, or expected holding period changes.
How to Use
- Enter the purchase price and your down payment.
- Fill in section A (origination) and section B (services / appraisal) loan costs.
- Add section E (title, recording, transfer tax) other costs.
- Add prepaids (F: interest, insurance) and escrow setup (G).
- Enter seller credits and earnest money already paid — the calculator subtracts them from total cash to close.
Frequently Asked Questions
What's the difference between a Loan Estimate and a Closing Disclosure?
Loan Estimate (LE) is the early estimate within 3 days of application. Closing Disclosure (CD) is the final document at least 3 days before closing. Both use identical line categories — federal law requires the formats match for clean comparison.
What are tolerance categories?
Some fees can change between LE and CD without limit (zero tolerance for items the lender controls). Others have 10% aggregate tolerance (services where the borrower picks the provider). Big changes trigger a revised CD with a new 3-day waiting period.
Why are prepaids separate from closing costs?
Prepaids (interest, insurance, taxes) are amounts paid up front for ongoing obligations — not really lender fees. They show separately on the CD so borrowers can distinguish 'cost of getting the loan' from 'cost of starting the obligations'.
What about seller-paid items?
Seller credits show in the calculations as offsets to your cash to close. The CD also has a seller column showing items they're paying directly (commission, transfer tax in some markets, prorations).
Related Calculators
Closing Cost Calculator
Standalone closing cost estimator without the CD format.
Title Insurance Calculator
Estimate the title premium that lands in section E.
Prepaid Interest Calculator
Per-diem interest in section F.
Escrow Calculator
Initial escrow setup deposit in section G.
Down Payment Calculator
Size the down payment line.
Seller Concession Calculator
Plan seller credits within loan-type caps.
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