Home Buying Calculator
Closing Cost Calculator
Estimate the buyer closing costs, prepaid expenses, escrow deposits, credits, and down payment that can affect how much cash you may need when buying a home.
Last reviewed: September 1, 2026
Closing Cost Calculator
Estimate buyer closing costs, prepaids, credits, and total cash needed at closing.
Purchase & Loan Details
$90,000 (20.0%)
Your Closing Cost Results
Estimated Closing Costs
After seller and lender credits; excludes down payment and prepaids
See If You Can Get Pre-Approved
You have an estimated mortgage result. Continue to pre-approval to explore mortgage options for your home-buying scenario.
Checking options does not change your calculator estimate. Loan availability, rates, and eligibility depend on lender and borrower qualifications.
| Cost | Category | Estimate |
|---|---|---|
| Loan origination | Lender | $3,600.00 |
| Other lender fees | Lender | $1,250.00 |
| Appraisal | Third-party | $650.00 |
| Credit report | Third-party | $75.00 |
| Survey | Third-party | $500.00 |
| Inspection | Third-party | $500.00 |
| Title / settlement | Government & title | $950.00 |
| Lender title insurance | Government & title | $1,100.00 |
| Owner title insurance | Government & title | $1,600.00 |
| Recording fees | Government & title | $250.00 |
| Prepaid interest | Prepaids & escrow | $961.64 |
| First-year homeowners insurance | Prepaids & escrow | $1,800.00 |
| Initial property-tax escrow | Prepaids & escrow | $1,125.00 |
| Initial insurance escrow | Prepaids & escrow | $300.00 |
Your modeled net closing costs are $10,475, while estimated cash to close is $104,662 because cash to close also includes the down payment and prepaids/escrow deposits.
The calculator currently applies $0 in seller and lender credits. Actual credits can be limited by loan-program and lender rules.
This scenario does not include an upfront mortgage-program fee.
For an actual transaction, compare these estimates with the lender's Loan Estimate and later Closing Disclosure because title charges, taxes, escrow deposits, credits and lender fees vary.
Important Estimate Notes
Closing costs vary by lender, state, county, title company, property, loan program and closing date. This calculator is a planning tool and does not replace a Loan Estimate, Closing Disclosure, lender quote, title quote, tax statement or insurance quote.
What are closing costs?
Closing costs are the lender, title, government, and third-party charges associated with completing a mortgage transaction. They can include loan-origination charges, discount points, appraisal and credit-report fees, title and settlement charges, recording fees, transfer taxes, and other services required before the loan closes.
Your total cash needed at closing can be higher than the closing-cost total because the transaction may also require a down payment, prepaid interest, homeowners insurance, and initial escrow deposits for taxes and insurance.
Closing costs vs. cash to close
Common buyer closing-cost categories
Lender charges
Origination charges, underwriting or processing fees, and discount points are generally tied to the mortgage itself.
Title and settlement
Title searches, settlement or closing services, lender title insurance, and optional owner title insurance can be significant transaction costs.
Government charges
Recording fees and transfer taxes depend heavily on the state, county, municipality, and how the transaction is structured.
Third-party services
Appraisal, credit report, survey, inspection, attorney, and other service charges vary by property and provider.
Prepaids
Prepaid interest and the first homeowners-insurance premium are often collected at or before closing but are different from lender and title fees.
Initial escrow funding
A lender may collect several months of property taxes and homeowners insurance to establish the escrow account.
How this closing cost calculator works
Start with the home price, down payment, loan type, and interest rate. The calculator then combines editable lender fees, discount points, title and government charges, third-party services, prepaids, escrow deposits, mortgage-program fees, and credits.
Down payment + cash closing costs + prepaids and escrow − seller credits − lender credits
If an upfront mortgage-program fee is financed, the calculator adds that amount to the starting loan balance instead of treating it as cash due at closing.
Why your actual closing costs may differ
Closing costs are highly transaction-specific. Lender pricing, property location, title charges, transfer taxes, prepaid interest, escrow requirements, seller concessions, lender credits, and the exact closing date can materially change the final amount.
Use this calculator for planning, then compare the estimate with your lender's Loan Estimate. Before closing, review the final Closing Disclosure and ask about any charge that changed materially from earlier estimates.
Loan type and upfront mortgage-program fees
Some government-backed mortgages can include an upfront program fee. The calculator provides editable planning assumptions for FHA, VA, and USDA scenarios and lets you choose whether the modeled fee is financed or paid in cash.
Actual program fees and exemptions depend on the mortgage program and borrower circumstances. In particular, VA funding fees can vary by down payment, prior use of the benefit, and exemption status, so the default should be treated as an estimate rather than a qualification result.
Frequently asked questions
How much are closing costs on a house?
There is no single percentage that applies to every purchase. The final amount depends on lender charges, title and settlement fees, government charges, property location, discount points, credits, loan type, and other services. Itemizing the costs is usually more useful than relying on one percentage.
Is the down payment part of closing costs?
No. The down payment is generally separate from closing costs, but both can be part of the total cash you need to bring to closing.
Are prepaid taxes and insurance closing costs?
They are commonly collected as part of the closing transaction, but they are better understood as prepaids or escrow funding rather than lender or title closing charges. This calculator displays them separately.
Can seller credits reduce closing costs?
Seller concessions may reduce certain buyer costs when allowed by the loan program and lender. The amount and permitted uses can be limited, so the final treatment should be confirmed with the lender.
Can lender credits reduce cash to close?
Yes. A lender may offer a credit that reduces upfront costs, often in exchange for different loan pricing. Compare both the upfront credit and the rate or loan terms.
Where can I find my actual closing costs?
For a real mortgage transaction, use the Loan Estimate from your lender for early cost disclosures and the Closing Disclosure for the final figures before closing.
Methodology and editorial transparency
MortgagePaymentCalculator.io is published by Family Brands LLC. Calculator results are estimates for educational and planning purposes and are not lending decisions, quotes, approvals, or legal or tax advice.