Closing Cost Calculator
Estimate the closing costs on a home purchase (lender origination plus appraisal, title, inspection, recording, and prepaids) as a dollar total and a percentage of price and loan. Runs in your browser.
Estimated closing costs
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Show the math
Closing costs are the lender's origination fee plus every other line item:
total = loan × origination% + appraisal + title + inspection + recording + prepaids + other
The CFPB says closing costs typically range from 2% to 5% of the home purchase price, not counting your down payment. Figures here are estimates for planning, your lender's Loan Estimate is the authoritative breakdown. Everything is calculated locally in your browser.
What this does
A closing cost calculator estimates the one-time costs of buying a home (lender origination plus appraisal, title, inspection, recording, and prepaids) as a dollar total and a share of the price and loan.
How it works
Lender and third-party fees are summed, then prepaid escrow items such as property tax and homeowners insurance are added. The total is shown against the purchase price and loan amount.
How to use it
- Enter the purchase price and loan amount.
- Add the origination percentage and flat fees.
- Add prepaid taxes and insurance.
- Read the estimated closing costs and their share of the price and loan.
Understanding your result
The CFPB says closing costs typically range from 2% to 5% of the home purchase price, not counting your down payment; the tool shows that range for your price. Compare the total against a lender Loan Estimate, which itemizes every fee for your specific loan.
Example
On a $300,000 home with a $240,000 loan, 1% origination ($2,400) plus $3,600 of appraisal, title, inspection, recording, and prepaids totals $6,000: 2.0% of the price and 2.5% of the loan, at the low end of the CFPB’s 2–5% range ($6,000–$15,000 for this price).
Sources & methodology
- CFPB, Understanding the Loan Estimate, Itemized closing costs for a specific loan
Last updated .
Frequently asked questions
How much are closing costs?
The CFPB says they typically range from 2% to 5% of the home purchase price (not including your down payment), covering lender, title, appraisal, and prepaid items. Enter your own figures to match a lender Loan Estimate.
What is the origination fee?
One of the lender’s upfront charges for making the loan, listed with application, underwriting and processing fees under Origination Charges on your Loan Estimate. It varies by lender and is often quoted as a percentage of the loan amount; enter that percentage and the tool computes the dollar figure.
What are prepaids and escrow?
Amounts collected up front to fund your escrow account (typically several months of property taxes and homeowners insurance) so the lender can pay those bills when due.
Do you store my numbers?
No. Everything is calculated locally in your browser, nothing is uploaded or saved.
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