Closing Cost Calculator
Estimate closing costs when buying or selling a home. Calculate fees, taxes, and total amount needed at closing.
🏦 Lender Fees $
📋 Third Party Fees $
📜 Title & Settlement $
🏛️ Taxes & Government $
💵 Prepaid Items $
💰 Cash to Close Summary
About Closing Cost Calculator
Beyond the down payment, a buyer owes lender, title, tax and prepaid charges at settlement, and this closing cost calculator itemizes them from the home price, down payment percentage, loan type (conventional, FHA, VA or USDA) and state. It breaks out the 1% origination fee, FHA upfront MIP or the VA funding fee, appraisal and title insurance, state transfer and recording taxes, and prepaid insurance, property tax and interest. Totals show in dollars, as a share of the price, and as total cash to close, computed in your browser.
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.
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.
- Export or copy the result before closing the tab. Since the Closing Cost Calculator stores no data server-side, your inputs reset when you navigate away.
- Combine this Closing Cost Calculator with our other financial tools (loan, tax, budget calculators) for a more complete financial picture.
Frequently Asked Questions
Yes. The Closing Cost Calculator is 100% free, with no signup, no paywall, no limits, and no watermarks on results. You can use it as often as you need.
No. The Closing Cost Calculator runs entirely in your browser. Your inputs stay on your device and are never transmitted to our servers, guaranteeing privacy.
The Closing Cost Calculator uses industry-standard formulas and returns mathematically precise results based on the inputs you provide. Always verify with a professional advisor for major decisions.
Yes. The Closing Cost Calculator is fully responsive and works on iOS, Android, and all modern mobile browsers with no app install required.
After the initial page load, most calculations run offline because the logic runs in JavaScript on your device. If you lose connection mid-session, you can usually keep calculating.
While the Closing Cost Calculator provides accurate computations, it does not replace professional advice. For tax, legal, medical, or major investment decisions, consult a certified advisor.