Closing Cost Calculator

How to use this calculator

Enter the purchase price and down payment, then the percent-based costs (origination, title, recording) and flat fees (appraisal, inspection, attorney, escrows, other). The calculator totals your closing costs, shows them as a percent of price, and adds your down payment to give total cash to close.

What the metrics mean

• Closing costs — the fees and prepaids due at closing, separate from the down payment.
• Loan origination — the lender’s fee, charged as a percent of the loan amount.
• Title insurance — protects against defects in the property’s title; usually priced on value.
• Cash to close — down payment plus all closing costs — the total you bring to the table.

Frequently asked questions

How much are closing costs?

Buyer closing costs typically run 2–5% of the purchase price. They include loan origination, title insurance, recording and transfer taxes, appraisal, inspection, attorney or settlement fees, and prepaid escrows.

What is cash to close?

Cash to close is the total you bring to closing — your down payment plus all closing costs, minus any credits. This calculator adds the down payment to the itemized costs to show that figure.

Which closing costs are based on the loan vs the price?

Loan origination is charged as a percent of the loan amount. Title insurance, recording, and transfer taxes are usually based on the purchase price. Appraisal, inspection, and attorney fees are typically flat.

Are closing costs negotiable?

Some are. You can shop title and settlement providers, and sellers sometimes contribute toward buyer closing costs as a concession. Origination points and prepaids vary by lender and loan.

Modeling cash to close on every deal? dre1mery.com builds the full cost stack into each underwrite automatically.