Home Closing Costs Estimator
Break down what you'll actually owe at the closing table.
Open the Interactive CalculatorHow It's Calculated
Total Closing Costs ≈ Home Price × Closing Cost %, typically split across loan origination (~0.5% of loan), title & escrow (~0.5% of price), appraisal/inspection (flat fee), and taxes/recording (~0.5% of price).
Example
Example: a $400,000 home at 3% closing costs runs about $12,000 in fees — plus a 20% down payment of $80,000 — for roughly $92,000 cash needed at the closing table.
Frequently Asked Questions
Can closing costs be negotiated or rolled into the loan?
Sometimes — sellers can offer credits, and some lenders allow rolling costs into the loan balance (raising your payment) in exchange for cash upfront.
Why do closing costs vary so much by state?
Transfer taxes, recording fees, and attorney requirements differ significantly by state and county.