Calculator 06 — Cash Due

Closing Costs Estimator

Closing costs typically run 2-5% of the purchase price. This estimator itemizes the major categories so you know roughly how much cash to have ready beyond your down payment.

Purchase Details

Purchase price

Loan amount

Region cost level affects transfer tax + title estimate

Property tax per year, for prepaids

Home insurance per year

Discount points purchased optional, buys down your rate

points

Estimated Cash to Close

Total closing costs

0% of purchase price

Lender origination + underwriting$0
Discount points$0
Appraisal + inspection$0
Title insurance + settlement$0
Recording + transfer taxes$0
Prepaid tax & insurance escrow$0

What's typically included

Lender fees — origination, underwriting, and processing charges from your mortgage lender.
Title & settlement — title search, title insurance, and the closing agent or attorney's fee.
Government fees — recording fees and, in many areas, a transfer tax based on the sale price.
Prepaids & escrow — the first months of property tax and insurance a lender collects upfront to seed your escrow account.

Closing costs are separate from your down payment. Add this estimate to your down payment from the mortgage calculator to see your full cash-to-close figure.