US Closing Cost Calculator
Plan the additional costs of buying a home in the United States.
Compare your entered scenario with page 2 of your Loan Estimate and later with the Closing Disclosure. Freddie Mac's 2%–5% range is context, not an input assumption.
How to plan your closing costs
Enter the purchase price, down payment, and your own amounts for loan costs, one-time fees, prepaids, and escrow reserves. The calculator adds those entries and derives the estimated loan amount; it does not invent local charges.
Loan Estimate and Closing Disclosure
After applying, the lender provides a Loan Estimate with estimated loan and other closing costs. The Closing Disclosure supports your comparison shortly before closing. Those documents govern your transaction, not the calculator’s general percentages.
Fees, prepaids, and escrow
Origination and appraisal create loan costs. Title, recording, transfer, and settlement costs are generally one-time items. Prepaid interest and insurance cover upcoming periods. An escrow reserve funds future tax or insurance payments in advance.
Worked example
With a $400,000 purchase price and 20% down, the estimated loan is $320,000. If your four entered categories total $15,987.67, the result shows that total and its share of price. Compare every amount with the Loan Estimate.
Why location and lender matter
Transfer taxes, recording fees, title practices, and attorney requirements vary by state and county. Lenders set their own fees and escrow requirements. Closing date, insurer, loan program, and seller contributions also affect the amount.
Limits of the estimate
The model does not calculate specific points, HOA charges, inspections, flood insurance, discounts, lender credits, or contractual seller contributions. It is an initial cash plan, not a settlement statement for a specific property.