Mortgage Closing Costs Calculator

Estimate your total closing costs for a home purchase, including lender, third-party, and government fees. Get a detailed breakdown by state and property type.

Get Started How it works
Closing Costs illustration

Closing Costs Inputs

Home Price
Down Payment
State
Property Type
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How This Calculator Works

This calculator estimates your total closing costs for a home purchase, including lender, third-party, government, and prepaid costs. It uses typical percentages and averages by state and property type, but your actual costs may vary.

  • Lender Fees: Origination, application, underwriting, and other lender charges.
  • Third-Party Fees: Appraisal, credit report, title insurance, and more.
  • Government Fees: Recording fees, transfer taxes, and other state/local charges.
  • Prepaid Costs: Prepaid interest, property taxes, and homeowners insurance.
Tip
  • Closing costs typically range from 2% to 5% of the home price.
  • Some costs are negotiable or may be paid by the seller.
  • Check with your lender for a Loan Estimate (LE) for the most accurate numbers.
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