Closing Cost Calculator
The down payment isn't the whole check. Buyer's closing costs typically run 2–5% of the price on top — here's the itemized estimate and the total cash you'll need at the table.
Cash to close
Total due at closing (down payment + costs)
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Closing costs
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% of price
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Down payment
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Loan amount
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| Line item | Amount |
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Why every line here is editable
There's no national closing-cost formula. Lender fees are whatever your lender quotes, title pricing is regulated state-by-state, and transfer taxes range from zero (most of the Midwest and South) to well over 2% (parts of NY, DE, WA). The defaults here are national-typical so the first number you see is realistic — but the moment you have a real Loan Estimate, plug its lines in and this becomes your actual cash-to-close check.
The three buckets
Loan costs — origination, points, appraisal, underwriting — are what the lender charges to make the loan; these are the most shoppable and negotiable. Title and government — title insurance, settlement, recording, transfer tax — protect the ownership transfer. Prepaids aren't fees at all: the first year of insurance, a few months of property tax for escrow, and interest from closing day to month-end. You'd pay those anyway — they just come due on day one.
Ways to shrink the check
Shop the lender fees (they vary by thousands between quotes on the same rate); shop the title company where your state allows it; close late in the month to cut prepaid interest; ask for seller credits in a soft market; and skip discount points unless you'll keep the loan well past their break-even. What you can't dodge: transfer tax and prepaids.