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Closing Cost Calculator

Buyer- and seller-side closing costs on a purchase, estimated side by side.

Your numbers

Buyer-side assumptions

Seller-side assumptions

Estimated buyer closing costs

$5,918.75

Excludes the down payment · 1.4% of sale price

  • Lender fees$3,400.00
  • Lender's title policy$900.00
  • Prepaid escrow (tax + insurance)$1,618.75
  • Seller net cost$29,025.00
  • Agent commission$23,375.00
  • Owner's title policy$1,400.00
  • Transfer tax$4,250.00
Buyer total
$5,919
Seller total
$29,025
Buyer, % of price
1.4%
Seller, % of price
6.8%

Line items and who customarily pays vary by state and are often negotiated. Use the closing disclosure for final figures.

Buyer closing costs$5,918.75
FAQ’s

Frequently Asked Questions

What makes up closing costs

Lender fees
Origination, underwriting and processing charges, usually quoted as a percentage of the loan amount.
Title policies
The lender's policy protects the lender's lien position; the owner's policy protects the buyer's equity. Who pays which varies by state.
Prepaid escrow
Several months of tax and insurance collected up front so the escrow account can cover the first bills.
Transfer tax
A state or county tax on the transfer of title, charged as a percentage of the sale price. Customarily seller-paid.

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