Closing Cost Calculator
Add the retained lender, third-party, title, government and prepaid scenario groups. Cash needed equals down payment plus every closing group. Loan-type and state selectors retain their historical illustrative fee schedules.
Add the retained lender, third-party, title, government and prepaid scenario groups. Cash needed equals down payment plus every closing group. Loan-type and state selectors retain their historical illustrative fee schedules.
Method and assumptions
Amounts: at most 1,000,000,000 with two decimal places. Rates: four decimal places. Loan rates and percentages: 0–100; terms: whole years 1–100. Investment returns and inflation: −99–100; horizons: whole years 0–100. Invalid or excessive results are rejected. The purchase price must be greater than zero.
Money is displayed to two decimals. Loan interest posts monthly in cents, with an adjusted final payment. Savings compound before each end-of-month deposit; no daily cash-flow dates are modeled.
For price 100,000, down 20%, conventional and Texas scenario: lender 2,100; third-party 1,500; title 1,600; government 125; prepaids 783.33. Closing total 6,108.33; cash needed 26,108.33.
Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate. No fee quote or disclosure document is fetched or uploaded.
No current FHA, VA, USDA or local tax rule is certified. Retained FHA 1.75% and VA 2.15% add-ons are scenario amounts, not eligibility or current fee advice; USDA has no modeled add-on. Credits, earnest money, points, concessions and actual escrow adjustments are excluded.
CFPB · Method and assumptions
CFPB documentation cached 2026-10-21; not a fresh law, tax or approval check. DTI page reviewed 2023-08-28; General QM change published 2020-12-10; the cited §1026.38 interpretation is the historical 2024-01-01 version.
🏦 Lender Fees $
📋 Third Party Fees $
📜 Title & Settlement $
🏛️ Taxes & Government $
💵 Prepaid Items $
💰 Cash to Close Summary
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About Closing Cost Calculator
Add the retained lender, third-party, title, government and prepaid scenario groups. Cash needed equals down payment plus every closing group. Loan-type and state selectors retain their historical illustrative fee schedules.
No current FHA, VA, USDA or local tax rule is certified. Retained FHA 1.75% and VA 2.15% add-ons are scenario amounts, not eligibility or current fee advice; USDA has no modeled add-on. Credits, earnest money, points, concessions and actual escrow adjustments are excluded.
For price 100,000, down 20%, conventional and Texas scenario: lender 2,100; third-party 1,500; title 1,600; government 125; prepaids 783.33. Closing total 6,108.33; cash needed 26,108.33.
CFPB documentation cached 2026-10-21; not a fresh law, tax or approval check. DTI page reviewed 2023-08-28; General QM change published 2020-12-10; the cited §1026.38 interpretation is the historical 2024-01-01 version. Preset scenario; no current local rate or eligibility certification.
Use Cases
How to use
Enter the Home Price and the Down Payment percentage you plan to put down.
Choose your Loan Type from Conventional, FHA, VA or USDA.
Pick your State from US Average, New York, California, Texas, Florida, Illinois or Pennsylvania so local transfer taxes and title costs are applied. No current FHA, VA, USDA or local tax rule is certified. Retained FHA 1.75% and VA 2.15% add-ons are scenario amounts, not eligibility or current fee advice; USDA has no modeled add-on. Credits, earnest money, points, concessions and actual escrow adjustments are excluded.
Read the Estimated Closing Costs headline, the percentage of home price it represents, and the Total Cash Needed figure.
Review the itemised panels for Lender Fees, Third Party Fees, Title & Settlement, Taxes & Government and Prepaid Items to see every individual charge.
Finish at the Cash to Close Summary, which adds your Down Payment and Closing Costs into the total cash you must bring to the table.
Pro Tips
- Enter your values carefully — small differences in inputs can lead to large changes in the Closing Cost Calculator result, especially for long time periods.
- Use the Closing Cost Calculator to compare multiple scenarios side by side. Open the tool in several tabs to see how different assumptions impact your outcome.
- Bookmark this Closing Cost Calculator and return whenever your situation changes — small updates in income, rates, or expenses are easy to recompute.
- Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate. No fee quote or disclosure document is fetched or uploaded.
- Combine this Closing Cost Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
- No current FHA, VA, USDA or local tax rule is certified. Retained FHA 1.75% and VA 2.15% add-ons are scenario amounts, not eligibility or current fee advice; USDA has no modeled add-on. Credits, earnest money, points, concessions and actual escrow adjustments are excluded.
- Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate.
Frequently Asked Questions
The preserved scenario coefficient is zero and stays zero. This is not a determination of the fees for a real transaction.
This model adds scenario fees and down payment. A real disclosure also reflects specific taxes, escrow, credits, deposits and transaction adjustments.
No current FHA, VA, USDA or local tax rule is certified. Retained FHA 1.75% and VA 2.15% add-ons are scenario amounts, not eligibility or current fee advice; USDA has no modeled add-on. Credits, earnest money, points, concessions and actual escrow adjustments are excluded.
Calculations run in this page without sending financial inputs to a calculation service. Drafts are not saved by this calculator. Clipboard and CSV actions use the successful result; editing or reset invalidates it. Site advertising and account policies remain separate.