Closing Cost Calculator
Estimate buyer or seller closing costs for a home purchase or refinance. We break out lender fees, title & escrow, recording, transfer taxes, and prepaid items (taxes & insurance). Defaults reflect typical ranges (2%–5% of price); adjust any line to match your quote.
Typical Closing Cost Ranges
For purchases, buyers usually pay 2%–5% of the price in closing costs, while sellers often cover transfer taxes, owner’s title policy in some states, and any negotiated credits. Refinance closing costs are usually lower because there’s no transfer tax and title premiums may be discounted (reissue rate).
- Lender/Origination: Points and administrative fees (0%–1%+ of loan).
- Third-Party: Appraisal, credit, flood, processing, underwriting (0.2%–0.6% of loan).
- Title & Escrow: Search, settlement, lender/owner policies (varies by state & price).
- Transfer/Doc Taxes: Charged by state/county/city on purchases; rules vary widely.
- Recording & Misc.: Deed, mortgage, courier, notary; often a few hundred dollars.
- Prepaids & Escrows: Prepaid interest plus escrow reserves for taxes/insurance.
Disclaimer: This tool is for education only. Actual fees and who pays each item depend on state law, local custom, and your purchase contract or lender’s LE/CD.