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Buying a home? Estimate the closing costs for a house of any value with this calculator.
By Barbara Marquand
Senior Writer | Homebuying, homeownership, mortgages
Senior Writer | Homebuying, homeownership, mortgages
Barbara Marquand writes about mortgages, homebuying and homeownership. Previously, she wrote about insurance and investing at NerdWallet and covered personal finance for QuinStreet. Prior to that, she wrote for national consumer and trade publications on a wide range of topics, including business, careers and parenting. Her work has appeared in the Associated Press, MarketWatch, MSN Money, The New York Times, The Washington Post and many others.
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Assigning Editor | Homebuying, savings and banking products Reviewed by Michael Soon Lee 
At NerdWallet, our content goes through a rigorous editorial review process. We have such confidence in our accurate and useful content that we let outside experts inspect our work.
Assigning Editor | Homebuying, savings and banking products
Alice Holbrook edits homebuying content at NerdWallet. She has covered personal finance topics for almost a decade and previously worked on NerdWallet's banking and insurance teams, as well as doing a stint on the copy desk. She is based in Ann Arbor, Michigan.
Business expert Michael Soon Lee, Ph.D., is an internationally recognized speaker and consultant whose clients include Coca-Cola, Chevron, Boeing, State Farm Insurance and General Motors. He is the author of nine books, including "Black Belt Negotiating” and "Cross-Cultural Selling for Dummies.” Michael has been an award-winning real estate broker since 1980, was licensed to practice taxation before the Internal Revenue Service and is a former certified financial planner who taught taxation for the College for Financial Planning. His articles have appeared in newspapers and magazines such as The Wall Street Journal, the San Francisco Chronicle, the Los Angeles Times and Consumer Reports. He was dean of the School of Management at John F. Kennedy University and served as an adjunct faculty member for Golden Gate University for over 20 years.
At NerdWallet, our content goes through a rigorous editorial review process. We have such confidence in our accurate and useful content that we let outside experts inspect our work.
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- What is New York state's standard deduction?
- Medical costs
- How compound interest works
- The bottom line
- 5. Manage your emotions
- Alabama Affordable Income Subsidy Grant
- Compare business credit cards
- 3. Do your research
- Alternatives to savings accounts
- W4 form 2023: How to find it
- Understanding the American Express card families
- 5. Plan for retirement
- 4. Fiverr
- 3. Land a brand deal and make sponsored content
- Your credit utilization
- The exception: the Military Lending Act
- Get more help with monthly budget planning
- Frugal home expenses tips
- 3. Opinion Outpost
- Tips for unfreezing your credit
- Chase checking account referrals: Up to $500 bonus
- Rocket Money
- 3. Off-peak and low-season awards to Europe
- Regional and state-based second chance checking accounts
- 5. How will our relationship work?
- Qualifying for a better credit card APR
- 9. A boat
- 11. Look for a payday alternative loan
- Step 3: Fill in personal and business information
- Covering weight loss drugs would be costly for Medicare
- 7. Revisit your budget monthly
- Learn more about online banking safety
- Emergency expenses
- 6. Compare mortgage rates and fees
- 6. Add your minor child
- 4. The tax advantages are prime for kids
- Your money management style
- 6. The cost may be less than you expect
- 4. Take surveys for money
- Other Roth IRA rules
- Why did Silicon Valley Bank fail?
- Unanswered complaints: 0 – 40 points
- 4. Seek help through debt relief
- Best Pennsylvania car insurance for ease of use: State Farm
- Other tips for managing your bill
- 5. Place your Apple stock order
- Calculating the value of the saver's credit
- What is the donut hole for Medicare in 2023?
- No-closing-cost mortgages
- Build your score and then switch cards
- When to expect your child tax credit refund
- 6. Buy local year-round
- Next Steps:
- 3. Decide how much stock you want to buy
- Am I a resident for New York state income tax purposes?
- 4. Klarna
- 2. Promote your business
- Step 2: Pass the interview
- 5. Learn about dollar-cost averaging
- 4. Think about getting a second opinion
- Help you certify for loan forgiveness
- How to pay lower taxes when selling stocks
- Universal life insurance
- 10. Schools and universities
- Commit 20% of your income to savings and debt repayment
- How food prices have changed over time
- 2023 capital gains tax calculator
- 2024 tax brackets and federal income tax rates
- Should I invest in an S&P 500 index fund or S&P 500 ETF?
- Green, Gold and Platinum pay over time cards
- EveryDollar, for simple zero-based budgeting
- How the lifetime gift tax exclusion works
- If you want to sign up for a Southwest credit card
- 3. Tap your home equity for a loan or line of credit
- Your payment history
- Pursue debt relief
- 4. Ipsos iSay
- Bonus features
- Do I have to pay Illinois state income tax?
- Downsides to CD ladders
- Best Android personal expense tracker apps
- Debt management plan
- 1. Think long term versus short term
- 6. What's your investment philosophy?
- PayPal
- What if you can’t pay your bills?
- 12. Get a personal loan
- 4. Explore emerging industries
- What will the Medicare donut hole be in 2024?
- Try different ways to avoid overspending
- 6. Optimize your finances with tax planning
- 5. Vestiaire Collective
- Pros and cons of personal loans
- Is APY variable?
- 5. The money can be used for more than retirement
- What apps let you buy now, pay later?
- How to freeze your child’s credit
- Contributing too much to a Roth
- Saving on late fees
- Money Manager
- 11. Theaters
- The bottom line
- Next Steps
- 3. Learn the difference between investing in stocks and funds
- How to adjust your Form W-4
- 4. Sell some merch
- Your credit age
- 2. Open an investing account
- What to do if you have a high-interest loan
- 7. Suspend your benefit
- Account linking
- 4. Award flights to Morocco — or beyond into Europe
- Bankruptcy
- 2. Consider using investment capital losses to offset gains
- 401(k) changes for 2024
- Alabama Mortgage Credit Certificates
- Step 4: Add your assets and calculate their total value
- How do you get out of the Medicare donut hole?
- Resident status rules
- Pros
- 7. Gather your loan paperwork
- Alternative CD ladder structures
- Chase Business Complete Checking℠: $300 bonus offer
- 5. Focus on the long term
- What’s the filing deadline for my Virginia state income tax bill?
- Full list of the best car insurance companies in Pennsylvania
- Save money on wedding venues near you
- 13. Rent out a room
- Secure 2.0 changes: Saver's match
- When undervalued stocks become popular
- Are there drawbacks to investing in the S&P 500?
- How to safely cancel a credit card
- 5. Upwork
- Consequences of a child tax credit error
- 5. Gather your paperwork
- How to pick seats on Spirit Airlines
- 5. MyPoints
- Mini CD ladder
- 5. Make money from your blog with affiliate links
- Step 3: Review their franchise agreement
- AndroMoney
- Debt settlement
- 7. What asset allocation will you use?
- Capital gains tax rates 2024
- Is there any insurance that covers the donut hole?
- Where to find the best savings accounts
- How to have more taxes taken out of your paycheck
- 2024 tax brackets: single filers
- Seller-paid closing costs
- AmEx EveryDay Cards
- Are these the best dividend stocks?
- Choosing between cards? Rewards and perks might make the difference
- 3. Outline what’s important to you
- Best custodial Roth IRAs
- Security
- Clearing room to charge more
- Why did Signature Bank fail?
- Overall diversification
- 7. Invest to build your future goals
- 5. Offer memberships
- 8. Use a do-over
- 5. PayPal
- Am I a resident for Illinois state income tax purposes?
- When to get a credit freeze
- Uneven splits
- Servicing changes are underway
- 3. Hold the shares inside an IRA, 401(k) or other tax-advantaged account
- Variable life insurance
- Are there ways to avoid the Medicare Part D donut hole?
- 2024 tax brackets: married, filing jointly
- Gemini Credit Card
- Other ways to sell clothes online
- 4. Borrow from your 401(k)
- 8. Get a preapproval letter
- 6. Swagbucks
- Getting motivation
- 1Money
- 6 things to know about Virginia state income tax
- Unresolved complaints: 0 – 30 points
- 5. Lower your living expenses
- Venmo
- 14. Moonlight as a dog sitter
- 2024 long-term capital gains tax rates and brackets
- How to have less tax taken out of your paycheck
- Trip delay reimbursement
- Blue Cash Cards
- State child tax credits
- Card details
- Do you pay taxes when you receive a gift?
- Part-year resident status rules
- U.S. Bank Cash+® Visa Signature® Card
- Spirit Airlines seat selection fees
- Customer support
- 3. Sell your castoffs
- Step 4: Undergo their multi-week training program
- 6. Take advantage where you can
- Looking for past years' saver's credit thresholds?
- Is the Medicare donut hole going away in 2024?
- 2024 tax brackets: married, filing separately
- 8. Grow your financial well-being
- How much money can you make on YouTube?
- Cons
- 4. Research your investments with care
- You might also like:
- 6. Sell your wares on Etsy
- When NOT to pay more frequently
- 4. Call in a pro
- 15. Become a rideshare or delivery driver
- Capital gains tax rules and considerations
- Empower Personal Dashboard, for tracking wealth and spending
- 6. Pick your investments
- What can trigger a gift tax return?
- Our pick for: Cell phone and internet bill payments
- 7. Toluna
- Illinois state sales tax
- Cons of a credit freeze
- CD ladder alternative for more risky investments
- Wallet
- 5. Qatar Qsuite to the Maldives or other parts of the Indian Subcontinent
- What’s happening with Silvergate Capital Corp.?
- 8. What investment benchmarks do you use?
- Your next step
- Step 5: Add your liabilities and calculate their total value.
- 4. Set a budget for your stock market investment
- How to use a W-4 to owe nothing on a tax return
- 2024 tax brackets: head of household
- 6. OfferUp
- Child tax credit vs. child and dependent care credit
- Home shopping tips
- User experience
- What to know about Chase checking account bonuses
- Recent servicer portfolio transfers
- 16. Cut your insurance premiums
- Collectible assets
- How to sell clothes online
- Gifting large sums of money to family
- Nonresident status rules
- 9. Choose a real estate agent carefully
- Alternatives to buy now, pay later
- 4. Earn badges through Live videos
- Your perfect ladder
- Step 5: Prepare for your grand opening
- What happened to Credit Suisse?
- Delta SkyMiles Cards
- 9. Estate planning: Protect your financial well-being
- What is the $500 credit for other dependents (ODC)?
- 6. Sezzle
- 8. InboxDollars
- Reviews
- Credit freeze or credit lock?
- Stock market crashes in history
- Walmart2Walmart
- How income tax brackets work
- Earn an audience, and earn more in the long run
- Freshen up your merchandise
- 5. Enter a debt management plan
- How to get a personal loan
- 7. Self-publish an e-book
- Complaint resolution delayed: 0 – 5 points
- 9. Who is your custodian?
- Burial insurance
- The net investment income tax
- History of the child tax credit
- Paying for vacations, cars or other stuff
- 10. Narrow down your ideal type of house and neighborhood
- After deciding
- If you're ready to start a budget
- 6. Flying Japan Airlines to Japan or Korea
- 17. Consolidate your debt
- 1. Federal income tax rates are progressive
- Hilton Honors Cards
- 5. Build a community
- Ideal Chick-fil-A operator candidate
- W-4 calculator
- Travel accident insurance
- Types of financial planning help
- 7. Poshmark
- Take clear photos
- Laid-back loans
- What is New York City's tax rate?
- Are paid surveys worth it?
- Who can access frozen credit reports?
- Are other banks are in trouble?
- 10. What tax hit do I face if I invest with you?
- 5. Focus on investing for the long-term
- Other ways to make money
- Spirit Airlines fee bundles
- Time in business: 0 – 10 points
- 18. Refinance your student loans
- Important considerations when opening a Roth IRA
- Joint bank accounts
- 8. Get advertising revenue from your blog or YouTube channel
- Prior management and leadership experience
- Are Chase bank promotions worth it?
- Step 6: Fill in your sources of income and contingent liabilities
- Lost luggage reimbursement
- Marriott Bonvoy Cards
- Complete financial plan and investment advice
- Write an honest description
- 7. Zip
- The bottom line on how to prepare for a stock market crash
- Should I take my money out of the bank?
- Western Union
- 19. Change your cell phone plan
- How to avoid, reduce or minimize capital gains taxes
- What else to know about Form W-4
- PocketGuard, for a simplified budgeting snapshot
- NYC tax rate schedule
- Earning AAdvantage Miles
- 1. Hold on
- 1. Has the W-4 form changed?
- 2. Income thresholds for tax brackets are updated annually
- 11. Stick to your budget
- Full-time availability
- How to Improve Your BBB Rating to Get to A+
- Other types of life insurance
- Avoid risky loans
- 6. Manage your stock portfolio
- Specialized guidance and/or want to meet with an advisor face-to-face
- Price clothes to sell
What to know if you take online surveys
- What to know if you take online surveys
- 3. State income taxes may work differently than federal income taxes
- U.S. Bank Shopper Cash Rewards™ Visa Signature® Card
- Are we in a recession?
- 2. Use tax-advantaged accounts
- 2. What does it mean to be exempt from taxes?
- Our pick for: Maximized value
- 9. Become an Instagram influencer
- Portfolio management only
- Excellent financial history
- 6 things to know about New York state income tax
- 12. Make the most of walk-throughs and open houses
- If you're looking for the best use of AA miles
- Different types of life insurance by underwriting
- 3. Rebalance with dividends
- Best stocks for beginners
- What is a marginal tax rate?
- Compare buy now, pay later apps
- Be available for training
- Zelle:
- More resources
- Step 7: Provide additional details regarding assets and liabilities
- Additional Visa Infinite benefits
- Why is financial planning important?
- Spirit Saver$ Club
- 3. When should I review my W-4?
- Should you use a buy now, pay later app?
- 10. Monetize your Twitch channel
- Are we headed for a depression?
- Fully underwritten life insurance
- 4. Exclude home sales
- Home purchasing tips
- Marginal tax rate calculator
- Honeydue, for budgeting with a partner
- 13. Don’t skip the home inspections
- Spirit Airlines seat selection for elite members
- Chick-fil-A alternatives
- 4. Can I adjust my W-4 multiple times throughout the year?
- Pros
- 5. Carry losses over
- The bottom line on investing in stocks
- Simplified issue life insurance
- What is an effective tax rate?
- Step 8: Review the form
- 14. Negotiate with the seller
- 11. Sell your photography
- Panera bread
- What to know about the best ways to send money
- 6. Consider a robo-advisor
- How to get into a lower tax bracket and pay a lower federal income tax rate
- Prime Visa
- Spirit Airlines seat selection recapped
- Cons
- Guaranteed issue life insurance
- Our pick for: Prime gaming
- 15. Buy adequate home insurance
- McDonald’s
- Which type of life insurance should you get?
- Step 9: Sign and date
- Budgeting resources from NerdWallet
- How to make money from home
- Alternatives to buy now, pay later
- Dunkin’
- The best life insurance companies in December 2023
- Tax brackets and rates for 2012-2022
- 12. Become a dog walker with Rover or Wag
- Methodology to identify the best budget apps
- The bottom line
- Download SBA Form 413
- 2019 Federal Income Tax Brackets
- 2018 Federal Income Tax Brackets
- 2017 Federal Income Tax Brackets
- 2016 Federal Income Tax Brackets
- 2015 Federal Income Tax Brackets
- 2014 Federal Income Tax Brackets
- 2013 Federal Income Tax Brackets
- 2012 Federal Income Tax Brackets
- Tax tools
- 13. Sell unused gift cards
- Learn more about getting an SBA loan:
- More tax articles
- Target REDcard™ Credit Card
- Our pick for: Target gaming purchases
- 14. List your spare bedroom on Airbnb
- How to make money offline
- 15. Sell your gently used clothes
- Capital One® Walmart Rewards™ Mastercard®
- Our pick for: Walmart gaming purchases
- 16. Trade in old phones, electronics for cash
- 17. Get a babysitting gig
- PlayStation Visa Credit Card
- Our pick for: PlayStation purchases
- 18. Rent out your car
- 19. Sign up for TaskRabbit
- 20. Become a private tutor
- Best Buy credit cards
- Our pick for: Best Buy purchases
- 21. Drive for Uber, Lyft
- 22. Make deliveries for Amazon, Uber Eats
- 23. Find work as a housesitter
- Xbox Mastercard
- Our pick for: Digital Microsoft Store purchases
- 24. Sign up to be a mystery shopper
- 25. Put your drone to work
- Watch out for making money scams
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4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
580580
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3%New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.
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4.0
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NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
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620620
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0%Veterans United offers VA loans for as little as 0% down.
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4.5
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NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
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620620
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3%NBKC offers conventional loans for as little as 3% down.
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NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
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620620
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1%Rocket Mortgage offers conventional mortgages with as little as 1% down.
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NBKC
4.5
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.5
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
620620
Min. down payment
3%NBKC offers conventional loans for as little as 3% down.
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on NBKC
Check Rate
on New American Funding
New American Funding
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
580580
Min. down payment
3%New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.
Check Rate
on New American Funding
Check Rate
on Veterans United
Veterans United
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
620620
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0%Veterans United offers VA loans for as little as 0% down.
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on Veterans United
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on Rocket Mortgage
Rocket Mortgage
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
620620
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1%Rocket Mortgage offers conventional mortgages with as little as 1% down.
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on Rocket Mortgage
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on NBKC
NBKC
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
620620
Min. down payment
3%NBKC offers conventional loans for as little as 3% down.
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on NBKC
Check Rate
on Rocket Mortgage
Rocket Mortgage
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
620620
Min. down payment
3%Rocket Mortgage offers conventional mortgages with as little as 1% down.
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on Rocket Mortgage
Check Rate
on New American Funding
New American Funding
4.5
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.5
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
580580
Min. down payment
3%New American Funding works with down payment assistance programs in 14 states, including California, Texas, Florida and Illinois.
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on Bethpage Federal Credit Union
Bethpage Federal Credit Union
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
5.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
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NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
640640
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N/A
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on Figure
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4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
4.0
NerdWallet ratingNerdWallet's ratings are determined by our editorial team. The scoring formula incorporates coverage options, customer experience, customizability, cost and more.
Min. credit score
680680
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