Closing Cost Calculator
Estimate the total closing costs for a home purchase or refinance, including lender fees, third-party fees, and prepaid items.
Published by:
isCalculator Editorial Team
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How to use this tool?
This calculator helps you estimate the total closing costs and cash needed when buying a home. Follow these steps:
- Enter Property & Loan Details in the left card:
- Home Price – the purchase price (e.g., $300,000).
- Down Payment – amount paid upfront (e.g., $60,000).
- Loan Term – choose 15, 20, or 30 years.
- Interest Rate – annual rate (e.g., 6.5%).
- Enter Fees & Prepaids in the right card:
- Origination Fee – lender processing fee.
- Appraisal Fee – property valuation cost.
- Title Insurance – title search and insurance.
- Escrow/Prepaids – prepaid taxes and insurance.
- Other Fees – recording, survey, etc.
- Click "Calculate Closing Costs" – the button at the bottom.
- View Results in the bottom card:
- Total Closing Costs – sum of all fees and prepaids.
- Loan Amount – home price minus down payment.
- Cash Needed at Close – down payment plus closing costs.
Note: All values must be non-negative numbers. The calculator uses US dollars ($). Invalid inputs will show a red border on the field.
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Frequently Asked Questions
Closing costs are fees paid at the closing of a real estate transaction, including lender fees, appraisal, title insurance, escrow deposits, and other charges.
Total closing costs are the sum of all individual fees such as origination fee, appraisal fee, title insurance, escrow/prepaids, and other fees. Cash needed at close equals down payment plus total closing costs.
Yes, some fees like origination fees or third-party services may be negotiable. Shopping around for lenders and service providers can help reduce costs.
