Lender fees
Charges tied to arranging and processing the mortgage. The estimate applies your lender-fee percentage to the loan amount after the down payment.
Closing Costs Calculator
Estimate buyer fees, prepaid expenses, and the total cash needed to close on a home.
Your inputs
Estimate details
⌁ All calculations run locally in your browser. No data is stored.
Estimated cash to close$93,200
Total closing costs$13,200
Down payment$80,000
Lender fees$3,200
Title & third-party fees$6,000
Prepaid expenses$4,000
Loan amount$320,000
Actual fees vary by lender, location, loan type, taxes, insurance timing, and negotiated credits.
Plan beyond the down payment
What is included in this closing cost estimate?
Buying a home usually requires more cash than the down payment alone. This calculator separates the major parts of an estimated buyer closing statement so you can see where the money may go and compare the result with lender documents.
Title and third-party fees
Potential title, settlement, appraisal, recording, inspection, attorney, or other transaction services. The calculator estimates them as a percentage of the home price.
Prepaid expenses
Amounts collected in advance for items such as property taxes, homeowners insurance, escrow funding, and interest through the first payment period.
Closing costs vs. cash to close
Closing costs are the estimated fees and prepaid expenses. Cash to close is broader: this calculator adds your down payment to those costs. Confirmed deposits and seller or lender credits can reduce the amount you ultimately bring to settlement.
Use the Mortgage Calculator to estimate the ongoing monthly payment after closing.
How to improve your estimate
- Start with the purchase price and planned down payment.
- Use lender and service-fee figures from recent quotes when available.
- Add estimated prepaid taxes, insurance, escrow deposits, and interest.
- Compare the result with your official Loan Estimate and Closing Disclosure.
Still choosing a price range? Estimate it first with the Home Affordability Calculator, or compare ownership with renting using the Rent vs. Buy Calculator.
This is an educational estimate, not a lender quote. Actual charges and credit rules vary by transaction, provider, loan program, and location.
How this calculator works
The estimate combines lender charges based on loan size, title and third-party charges based on purchase price, and prepaid expenses such as taxes, insurance, escrow deposits, and interest.
Change any input to update the estimate instantly. Your entries never leave your device.
Frequently asked questions
What are closing costs?
Closing costs are lender, title, settlement, government, and other transaction charges paid around the time a home purchase closes. This estimate also includes the prepaid expenses you enter.
How much are typical closing costs?
The amount varies by location, lender, loan type, home price, timing, and services selected. Use your Loan Estimate and Closing Disclosure for transaction-specific figures.
What is cash to close?
Cash to close is the estimated amount you bring to settlement. In this calculator it equals the down payment plus lender fees, title and third-party fees, and prepaid expenses.
Is the down payment a closing cost?
No. The down payment reduces the amount borrowed. This tool shows closing costs separately, then adds the down payment when estimating cash to close.
What are prepaid expenses?
Prepaid expenses can include initial property-tax or insurance deposits, prepaid interest, and amounts placed into an escrow account. They are not necessarily service fees.
Can the seller or lender pay some costs?
Sometimes. Seller credits and lender credits depend on your contract and loan rules. Subtract confirmed credits from the estimate when planning your final cash requirement.
Can closing costs be rolled into a mortgage?
Some costs may be financed or offset in certain loan or refinance structures, but doing so can increase the loan balance or interest rate. Confirm available options with your lender.