Closing Cost Calculator

Estimate closing costs from home price and loan — see total closing costs, per category and cash to close.

Closing Cost Calculator

Estimate closing costs from home price and loan — see total closing costs, per category and cash to close.

Home price($)

Loan amount($)

Closing cost %(%)

Enter values above and click Calculate — results will appear here with the formula explained.

Closing = price*rate/100; Cash to close = down + closing where down=price-loan

How does this work?

Closing costs are 1.5-3.5% of price, covering lender, title, escrow and prepaid. Cash to close is down payment plus closing.

This estimates total closing; lender fees, title and prepaid vary by location and loan. Get Loan Estimate for authoritative quote.

For YMYL home buying, add 1% buffer for appraisal gap and repairs — closing often exceeds estimate by 10%.

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Disclaimer: Results are estimates for informational purposes only and do not constitute professional financial advice. Consult a qualified professional for decisions.

What is Closing Cost?

Closing costs are 1.5-3.5% of price, covering lender, title, escrow and prepaid. Cash to close is down payment plus closing. Formula: Closing = price*rate/100; Cash to close = down + closing where down=price-loan

Quick Answer

Closing Cost Calculator computes estimate closing costs from home price and loan — see total closing costs, per category and cash to close. Formula: Closing = price*rate/100. Example: With $400k price, $320k loan, 2.

What it does: Estimate closing costs from home price and loan — see total closing costs, per category and cash to close.
Formula: Closing = price*rate/100; Cash to close = down + closing where down=price-loan
Inputs: Home price ($) · Loan amount ($) · Closing cost % (%)
Example: With $400k price, $320k loan, 2.

Calculator Inputs at a Glance

Field	What to enter
Home price ($)	e.g. 400000
Loan amount ($)	e.g. 320000
Closing cost % (%)	e.g. 2.5

All fields use the exact formulas shown below — results include step-by-step breakdowns you can verify by hand.

How to Use This Calculator

1Enter home price, loan amount and closing cost percent.
2Calculate to see closing costs and cash to close.
3Compare 2% vs 3% to see $4k difference on $400k.

Formula Used

Closing = price*rate/100; Cash to close = down + closing where down=price-loan

Closing costs are 1.5-3.5% of price, covering lender, title, escrow and prepaid. Cash to close is down payment plus closing.

This estimates total closing; lender fees, title and prepaid vary by location and loan. Get Loan Estimate for authoritative quote.

For YMYL home buying, add 1% buffer for appraisal gap and repairs — closing often exceeds estimate by 10%.

AdSense ready — add NEXT_PUBLIC_GOOGLE_ADSENSE_PUBLISHER_ID

728×90 — AdSense

Worked Example

With $400k price, $320k loan, 2.5% closing: closing $10k, down $80k, cash to close $90k.

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Frequently Asked Questions

QWhat is included?

Lender origination, appraisal, title, escrow, prepaid taxes/insurance. Varies.

QSeller help?

Seller may contribute 3-6% for closing, depending on market.

QCan roll into loan?

Some costs can be financed, raising loan and payment.

Quick Answer

What it does: Estimate closing costs from home price and loan — see total closing costs, per category and cash to close.

Formula: Closing = price*rate/100; Cash to close = down + closing where down=price-loan

Inputs: Home price ($) · Loan amount ($) · Closing cost % (%)

Example: With $400k price, $320k loan, 2.

Field

What to enter

Home price ($)

e.g. 400000

Loan amount ($)

e.g. 320000

Closing cost % (%)

e.g. 2.5

Formula Used

Closing = price*rate/100; Cash to close = down + closing where down=price-loan

Closing costs are 1.5-3.5% of price, covering lender, title, escrow and prepaid. Cash to close is down payment plus closing.

This estimates total closing; lender fees, title and prepaid vary by location and loan. Get Loan Estimate for authoritative quote.

For YMYL home buying, add 1% buffer for appraisal gap and repairs — closing often exceeds estimate by 10%.