Closing Costs Estimator

Estimate the upfront costs beyond your down payment. Closing costs typically range from 2–5% of the purchase price.

I am a

Home Price

Loan Amount

Down Payment (derived)$80,000

State / Region

Estimates are based on national averages. Actual costs vary by location, lender, and loan type. Always request a Loan Estimate from your lender for exact figures.

Estimated Closing Costs

$12,968

3.2% of purchase price

Home Price

$400,000

Loan Amount

$320,000

Total Upfront (Down + Closing)

$92,968

Cost Breakdown

Estimates use national-average ranges. Actual costs vary by state, lender, and loan type.

Item	Based On	Typical Range	Estimate
Loan Origination Fee	Loan Amount	0.5–1.5%	$3,200
Appraisal Fee	Loan Amount	0.05–0.25%	$416
Credit Report Fee	Loan Amount	0.01–0.05%	$32
Title Search & Insurance	Purchase Price	0.5–1%	$3,000
Escrow / Settlement Fee	Purchase Price	0.1–0.25%	$600
Prepaid Interest	Loan Amount	0.1–0.5%	$800
Homeowners Insurance (1st year)	Purchase Price	0.3–0.8%	$2,000
Property Tax Reserve (2 months)	Purchase Price	0.1–0.4%	$800
Recording Fees	Purchase Price	0.02–0.1%	$120
Transfer Taxes	Purchase Price	0.1–2%	$2,000
Total Closing Costs			$12,968

Tips for Reducing Closing Costs

Shop multiple lenders — origination fees and points can vary significantly.
Ask the seller to cover some closing costs as part of your offer negotiation.
Request a Loan Estimate within 3 days of applying so you can compare lenders side by side.
Consider a no-closing-cost mortgage if you plan to move or refinance within a few years.