Closing Costs Calculator
Buying a home? Estimate the closing costs for a house of any value with this calculator.
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Closing costs are fees you pay to finalize a real estate transaction. When you finance the purchase of a home, for example, they include the cost of the home appraisal and home title searches that lenders require.
Use our calculator to estimate your closing costs to buy a home.
How much are closing costs?
Closing costs vary according to many factors, including where you live, but generally range from 2% to 6% of the loan amount. You can shop around to get the best deal on some items, such as home insurance, but you can't control the costs for things like taxes and government fees. In some cases, you can negotiate with the seller to pay some of your closing costs.
Your real estate agent can help estimate closing costs for your area and loan type. After you apply for a mortgage, your lender will tell you what you can expect to pay for closing costs in a document called a Loan Estimate.
How do you calculate closing costs on a house?
Enter estimates for the price of a home you want to buy, your down payment amount, your interest rate and whether you plan to purchase discount points. Not sure about the interest rate? See the latest mortgage rates for more information.
The calculator will provide the following:
Estimated total costs. The top result shows total closing costs in dollars and as a percentage of the loan amount (usually 2% to 6%). You’ll also see total costs for the services you can shop for and for those that have set prices.
Breakdown of costs. The next section shows a breakdown of typical closing costs, including fees for the home appraisal, title insurance and loan origination, as well as property taxes and home insurance premiums.
Services you can shop for. The “breakdown of costs” section also shows which services you can shop for: Under each fee, you’ll see a note saying “Fixed” or “Shop.”
Option to customize results. The calculator’s default setting offers estimates for many of the closing costs. But fees vary widely. If you know the cost for an item, enter it in the calculator to improve the results.
When to estimate closing costs
It's a good idea to estimate closing costs early in the homebuying process so you can budget for them along with a down payment.
After you've applied for a mortgage, the lender will provide two official notices of your loan’s closing costs:
The Loan Estimate provides details about your loan, including the projected monthly mortgage payment and estimated closing costs. A lender must provide a Loan Estimate within three business days after you apply for a mortgage.
The Closing Disclosure, which has the final numbers, is delivered three days before closing.
No-closing-cost mortgages
Your closing costs can be included in the mortgage. This is known as a no-closing cost mortgage.
The pro: You avoid paying more upfront at loan closing in addition to your down payment.
The con: Your monthly payment is higher, as is the overall cost of your home loan.
How it works: Your lender pays your closing costs in exchange for either charging you a higher interest rate or adding the fees into your loan amount, or both.
Seller-paid closing costs
Sellers who are highly motivated to make a deal sometimes agree to contribute money toward your closing costs. But sellers are less likely to make such concessions when there are more would-be buyers than homes for sale.
This article has been updated to reflect the most recent fact-checking as of June 26, 2025.