Closing Cost Estimator Pro 2026 Institutional Dashboard

Closing Cost Estimator — Free Home Buying Tool

Free Real Estate Tool

Closing Cost Estimator — Free 2026
Home Buying Tool

See every fee you will pay at closing, broken down by category. No surprises at the table.

2–5%Typical closing costs
$8K+Average on $400K home
4Cost categories
$0Cost to use

Closing Cost Estimator

Itemized breakdown of every closing fee
$
$
STATE
TYPE
Total Estimated Closing Costs $0 Approx. 0% of purchase price
Lender Fees $0 Origination, appraisal
Title Fees $0 Title search, insurance
Prepaid Items $0 Insurance, tax escrow
Government Fees $0 Recording, transfer tax

Closing cost estimator — 4 fees that surprise most buyers

Prepaid items are not fees Homeowners insurance, property tax escrow, and prepaid interest are not lender charges — they are money you are paying upfront to fund your escrow account. Most buyers do not expect these.
Transfer taxes vary by state High-tax states like New York and California charge 0.4–0.5% of the purchase price in transfer taxes. Texas and Florida charge nothing. Your closing cost estimator adjusts for this.
FHA and VA loans add fees FHA loans add a 1.75% upfront mortgage insurance premium. VA loans add a 2.3% funding fee for first-time use. The closing cost estimator accounts for both.
You can negotiate some fees Lender origination fees, title fees, and some third-party charges are negotiable. Getting quotes from multiple lenders and title companies can save $1,000–$3,000.

Closing cost estimator — typical fee ranges by category

Fee categoryTypical costNegotiable?Who charges it
Origination fee0.5%–1% of loanYesLender
Appraisal$400–$700NoLender / appraiser
Title search$300–$600SometimesTitle company
Title insurance$500–$1,500SometimesTitle company
Homeowners insurance$1,000–$2,000/yrYesInsurance company
Transfer tax0%–0.5% of priceNoState / county

How this closing cost estimator works

Enter your purchase price and loan amount The closing cost estimator uses the purchase price for title and government fees, and the loan amount for lender fees. On a $400,000 home with a $320,000 loan, expect roughly $11,000–$16,000 in total closing costs.
Select your state type and loan type High-tax states charge significantly more in transfer taxes. FHA and VA loans carry upfront fees that conventional loans do not. The estimator adjusts all four cost categories based on your selections.
Review the itemized breakdown The closing cost estimator splits your total into four categories — lender fees, title fees, prepaid items, and government fees — so you know exactly where every dollar is going.
Compare against your Loan Estimate Your lender is required to give you a Loan Estimate within 3 business days of application. Use your closing cost estimator results to check their numbers. The CFPB has a full guide on how to read a Loan Estimate.
Ready to compare lenders?

Once you know your estimated closing costs, compare offers from multiple lenders. Even a 0.25% rate difference on a $320,000 loan saves over $15,000 in interest over 30 years.

Compare Mortgage Rates We may earn a commission if you apply through this link — at no extra cost to you.

Closing cost estimator — common questions

How much are closing costs on a home?

Closing costs typically run 2–5% of the purchase price. On a $400,000 home that means $8,000–$20,000. The exact amount depends on your loan type, state, lender, and any seller concessions you negotiate.

What is included in closing costs?

Closing costs include lender fees (origination, underwriting, appraisal), title fees (title search, title insurance), prepaid items (homeowners insurance, property tax escrow, prepaid interest), and government fees (recording fees, transfer taxes).

Can closing costs be rolled into the mortgage?

In some cases yes — this is called a no-closing-cost mortgage where the lender covers fees in exchange for a slightly higher rate. It makes sense if you plan to sell or refinance within a few years. Use our refinance savings calculator to compare.

Who pays closing costs — buyer or seller?

Buyers typically pay most closing costs. Sellers usually pay real estate commissions and sometimes offer concessions to help cover buyer closing costs. In a buyer’s market, asking for seller concessions is standard practice.

Related tools to use with the closing cost estimator

Home Affordability Calculator Find out how much home you can afford including closing costs. HELOC Calculator See how much home equity you can access after purchase. Refinance Savings Calculator Calculate whether refinancing makes sense given your closing costs.

Results from this closing cost estimator are estimates for informational purposes only. Actual closing costs vary by lender, location, and loan type. Not financial advice. Always review your official Loan Estimate from your lender. Last updated: March 2026.