Closing Costs Calculator
Estimate the total closing costs you'll pay when buying a home.
Enter your numbers and select Calculate to see results.
About This Calculator
Closing costs are the fees paid at the end of a real estate transaction, separate from your down payment. This calculator estimates your total closing costs as a percentage of the home price, broken into typical categories — lender fees, title and escrow, and government recording/transfer taxes — so you can budget accurately.
How This Is Calculated
Total Closing Costs ≈ 2%–5% of Home Price
- Lender Fees
- — ~1% of loan amount for origination and underwriting
- Title & Escrow
- — ~0.6% of home price
- Recording & Transfer Tax
- — ~0.5% of home price (varies heavily by state)
On a $400,000 home with a $320,000 loan, total closing costs typically fall around $9,000–$13,000.
Assumptions
- Uses national rule-of-thumb percentages; actual costs vary significantly by state, county, and lender.
- Transfer and recording taxes especially differ by jurisdiction — some states charge far more than others.
- Does not include prepaid items like the first year of homeowners insurance or property tax escrow.
Frequently Asked Questions
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Last updated January 15, 2026. Results are estimates for informational purposes only — read our disclaimer.