Closing Cost Calculator

HomeExpertly

www.homeexpertly.com

Closing Cost Calculator (USA)

Estimate typical buyer closing costs in U.S. dollars, including lender fees, title & escrow, government & recording, prepaids, and other one-time costs. Actual costs vary by lender, state, and county.

Purchase & loan details

Home price (USD)

Down payment (USD)

Loan interest rate (APR)

Used to estimate prepaid daily interest at closing.

State (optional)

For your reference only; the calculator does not change by state.

Lender fees

Origination fee (% of loan)

Discount points (% of loan)

Points are prepaid interest you pay upfront to lower your rate.

Third-party services

Appraisal fee

Credit report

Other third-party

Title & escrow

Lender’s title policy

Owner’s title policy

Escrow / settlement fee

Government & recording

Recording fees

Transfer taxes / stamps

Prepaids & escrows

Monthly property tax amount

Months of property tax collected

Monthly homeowners insurance

Months of insurance collected

Per-diem interest days at closing

days

Estimate of interest from your closing date until the first mortgage payment.

Other closing costs (misc.)

Results

Closing cost summary (buyer)

Loan amount (estimated)—

Total closing costs—

Closing costs as % of price—

Cash for down payment—

Estimated cash needed at closing—

Prepaids & escrows portion—

Non-recurring closing costs—

Category breakdown

Lender fees—

Third-party services—

Title & escrow—

Government & recording—

Prepaids & escrows—

Other—

Visuals

Cash needed at closing

Closing costs by category

Itemized closing cost snapshot

Category	Item	Amount

PDF export includes the complete itemized closing cost list used in this estimate.