Closing Cost Calculator
For US home buyers: get a rough closing-cost range before you have quotes, or build a cash-to-close worksheet from your own Loan Estimate fees. Planning only, not a lender quote.
Two ways to estimate
Early planning multiplies the purchase price by 2% and 5%, the range the CFPB gives for typical closing costs, and adds your down payment for a rough cash figure. It shows a range, never a single figure, because without your fees any exact number would be a guess. Enter your fees starts blank and totals only the amounts you type in, using the same sections as page 2 of a Loan Estimate.
How the worksheet adds up
Total loan costs D are sections A + B + C; total other costs I are E + F + G + H. Gross fees are D + I. Subtracting a general lender credit gives net closing costs, which the Loan Estimate calls Total Closing Costs (J). Estimated cash to close is the down payment plus J, minus your earnest-money deposit, any seller credit and costs you already paid, plus any other amounts you owe and minus other credits. Every amount is added in whole cents, so the receipt rows add up exactly to the totals.
Example
On a $400,000 home with $80,000 down, fees of $4,000 (A), none for B (marked None), $3,500 (C), $2,000 (E), $2,500 (F), $3,000 (G) and $500 (H) make $15,500 in gross fees. A $2,000 lender credit brings net closing costs to $13,500. With a $10,000 deposit and a $3,000 seller credit, cash to close is $80,000 + $13,500 − $10,000 − $3,000 = $80,500. Swap the credits to $3,000 from the lender and $2,000 from the seller and cash to close is still $80,500, but net closing costs drop to $12,500.
When the worksheet is partial
Any section you leave blank is marked not entered, and every total is labeled partial until each section has an amount or is marked None. A partial worksheet is useful for tracking quotes as they arrive, but it isn't your total closing costs. If your credits are larger than your fees or the result is negative, the calculator shows it as an amount back to you and asks you to check it; lenders and loan programs limit how credits can be used.
What this doesn't include
No state, county or lender fees are filled in for you, and there's no title-insurance, transfer-tax or insurance-premium lookup. It doesn't check loan eligibility or program limits on credits, and it doesn't model closing costs financed into the loan or contract-specific prorations. It's a buyer worksheet; seller proceeds are a different calculation.
Privacy
Everything is calculated in this browser tab. Your price, fees, credits and results aren't saved by this page, added to the page address or sent in analytics; a copy or download happens only when you choose it. See our privacy policy and disclaimer.
Frequently asked questions
Are closing costs the same as the down payment?
No. Closing costs are the fees and prepaid items for the loan and purchase, such as origination charges, title services, recording fees, prepaid interest and the initial escrow payment at closing. The down payment is the part of the price you pay yourself. Both usually come due at closing, so cash to close includes the down payment, but closing costs don't.
How do the earnest-money deposit and credits change what I bring?
Your earnest-money deposit was already paid, so it's subtracted from the cash you still need; it doesn't lower the price or the fees. A general lender credit lowers your total closing costs (J on the Loan Estimate). A seller credit is subtracted in the cash-to-close calculation instead. This calculator keeps the three on separate lines so you can match them to your documents.
What's the difference between a lender credit and a seller credit?
A general lender credit comes from your lender, often in exchange for a higher interest rate, and is shown against your closing costs. A seller credit is money the seller agreed to put toward your costs in the purchase contract. If a specific fee is paid by the seller or lender, leave it out of the borrower-paid fees instead of entering it and then subtracting it again as a credit.
How much are closing costs?
The CFPB says closing costs, not counting the down payment, typically run 2% to 5% of the purchase price, or about $8,000 to $20,000 on a $400,000 home. It's a starting point for saving before you have quotes. Your actual amount depends on your loan, lender, location and the providers you choose, and it can fall outside that range.
Why might my actual closing costs be different?
Fees can change between the Loan Estimate and closing, prorated property taxes and prepaid interest depend on the closing date, some costs may be financed into the loan, and programs or your contract can shift who pays what. Always compare with your lender's Loan Estimate and the Closing Disclosure you receive at least three business days before closing.