Estimate total closing costs for buyers and sellers
For real estate transactors estimating total closing costs: lender, title, government, and agent fees for both buyer and seller side.
Closing Cost Calculator
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Create Free AccountWhat it does
The Closing Cost Calculator estimates total closing costs for both buyers and sellers by itemizing lender fees, title fees, appraisal costs, property taxes, recording fees, and government charges. Input purchase price and loan amount to see the complete cost breakdown that surprised buyers often overlook.
Closing costs typically range 2-5% of purchase price and catch unprepared buyers off-guard during escrow. This calculator prevents surprises by transparently modeling every cost category, helping buyers budget for closing day and sellers understand proceeds reduction.
Who it's for
- Homebuyers budgeting for total acquisition cost beyond down payment and monthly payment
- Real estate agents explaining closing cost obligations to buyer and seller clients
- Title companies and escrow officers providing cost estimates to parties
- Lenders communicating Loan Estimate disclosures and total costs to borrowers
How it works
Enter purchase price and loan amount
These drive most closing costs.
Select buyer or seller view
Buyer costs and seller costs differ significantly.
Review itemized closing cost estimate
Identify largest items and any surprises.
Why it matters
Estimate complete closing cost breakdown
Separate buyer costs from seller costs
Identify which fees are negotiable
Plan cash requirements before closing day
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Frequently asked questions
How much are typical closing costs?
Buyer: 2–5% of purchase price. Seller: 6–10% (mostly realtor commission). Combined: 8–15% of sale price.
Can the seller pay my closing costs?
Yes — called seller concession. FHA allows 3–6% of purchase price; conventional allows 2–3%. Negotiable.
Which costs can I negotiate or avoid?
Appraisal (shop lenders), origination fee (shop banks), title (some negotiable), attorney (varies by state). Commission is hardest to negotiate.
Do sellers have to list for commission?
No — 'For Sale By Owner' agents handle their own marketing. Saves 3% but requires time. Net: often breaking even after market loss.
Is this calculator free to use?
Yes — create a free Investor Starter account to run 1 calculator per day. No credit card required. Upgrade to Core ($49/mo) for unlimited access to all 67 calculators.
How accurate are the results?
Results are only as accurate as your inputs. The formulas use industry-standard real estate investment math. Always verify with a licensed professional before committing capital.
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