Closing Cost Calculator

Estimate your mortgage closing costs and cash to close

Budget lender fees, title charges, prepaid taxes, insurance, and escrow before your Loan Estimate arrives. This calculator is educational and does not replace a lender disclosure.

Purchase price ($)

Down payment ($)

Lender/origination fees (%)

Title and settlement fees (%)

Appraisal, credit, recording, misc. ($)

Prepaids and escrow setup ($)

Seller/lender credits ($)

Estimated cash to close

Loan amount$0

Estimated closing costs$0

Down payment$0

Credits applied$0

How closing costs work

Fannie Mae says closing costs commonly range from 2% to 5% of the mortgage amount and include origination fees, settlement and title fees, third-party fees, taxes, and government fees. Fannie Mae closing cost calculator

The CFPB's Loan Estimate explains the estimated interest rate, monthly payment, and total closing costs for the loan, and lenders must provide it within three business days after receiving a complete mortgage application. CFPB Loan Estimate explainer

Use this page before you apply, then compare the real Loan Estimates side by side. The most negotiable areas are usually lender origination charges, lender credits, points, and services you can shop for.