Closing Cost Calculator
Estimate buyer closing costs on a home purchase. Itemized breakdown of origination, title, escrow and transfer fees.
Typical buyer closing costs run 2–5% of the loan amount nationwide. Percentages below are editable national averages — your lender's Loan Estimate has exact figures.
Frequently asked questions
- Are closing costs negotiable?
- The lender's origination fee and title services often are. Ask for a loan estimate from at least three lenders and compare line by line.
- What are prepaids?
- Money collected at closing to fund escrow — property tax, insurance and the interest between closing and your first payment.
- Can seller concessions cover them?
- In many markets the seller agrees to pay a percentage of the buyer's closing costs as part of the offer negotiation.
This tool runs entirely in your browser. No data is uploaded anywhere.