Closing Cost Calculator
Estimate home buyer closing costs with an itemized breakdown (lender fees, title, taxes, prepaids, and escrow). Copy a summary and download an itemized CSV.
Down payment is %
Toggle to enter a fixed amount
Loan amount
$360,000
Down: $90,000
Total closing costs
$12,061.64
As % of price: 2.68%
Note
Closing costs vary by lender, state, and escrow rules. Use this as a planning estimate and adjust fees to match your Loan Estimate.
Lender fees
$4,600.00
| Item | Amount |
|---|---|
| Origination | $3,600.00 |
| Discount points | $0.00 |
| Underwriting | $950.00 |
| Credit report | $50.00 |
Third-party
$2,750.00
| Item | Amount |
|---|---|
| Appraisal | $650.00 |
| Title services | $1,200.00 |
| Title insurance | $900.00 |
Government
$200.00
| Item | Amount |
|---|---|
| Recording fees | $200.00 |
| Transfer taxes | $0.00 |
Prepaids
$3,361.64
| Item | Amount |
|---|---|
| Prepaid interest | $961.64 |
| Prepaid property taxes | $900.00 |
| Prepaid homeowners insurance | $1,500.00 |
Escrow
$1,150.00
| Item | Amount |
|---|---|
| Escrow buffer | $1,150.00 |
Our closing cost calculator helps you estimate common fees and prepaids due at closing. Adjust the line items to match your Loan Estimate, then export a CSV for a clean spreadsheet view.
Common Use Cases
- ✓Budgeting for Cash to Close
Estimate lender fees, title costs, and prepaids so you know how much cash you may need at closing.
- ✓Comparing Loan Estimates
Use an itemized breakdown to map fees from a Loan Estimate into a simple spreadsheet.
- ✓First-Time Home Buyers
Understand the common fees that show up during the mortgage and escrow process.
- ✓Refinance Planning
Reuse the same fee categories to estimate refinance closing costs (adjust as needed).
Key Features
Itemized breakdown
Edit common lender, third-party, government, and prepaid/escrow line items.
Copy summary
One-click copy of key totals for sharing.
CSV export
Download an itemized CSV for Excel or Google Sheets.
Privacy-first
Runs in your browser—no sign-up and no data stored.
Frequently Asked Questions
What are closing costs?
Closing costs are fees and prepayments due at the end of a home purchase or refinance. They can include lender fees, title services, recording fees, transfer taxes, prepaid interest, and escrow deposits.
How much are closing costs typically?
A common rule of thumb is 2%–5% of the purchase price, but it varies by state, lender, loan type, and escrow requirements.
What is prepaid interest?
Prepaid interest covers interest from the closing date until the first scheduled mortgage payment. The number of days depends on the month and closing date.
Can I roll closing costs into the loan?
Sometimes. Many refinances allow costs to be financed into the new loan balance, but rules vary and it changes your monthly payment and total interest.