Closing Cost Calculator
Free closing cost calculator. Estimate buyer and seller closing costs, including title, appraisal, recording fees, and transfer taxes.
$
%
$14,135
4.0% of home price
$70,000
20%
$84,135
Down + Closing
$280,000
Closing Cost Breakdown
Loan Origination Fee$2,800
Appraisal Fee$500
Credit Report$50
Title Search$1,750
Title Insurance$1,750
Survey Fee$500
Attorney Fees$1,000
Recording Fees$300
Home Inspection$400
Pest Inspection$150
Prepaid Insurance (1 yr)$1,225
Prepaid Property Tax (3 mo)$1,750
Prepaid Interest (15 days)$560
Escrow Deposit (2 mo)$1,400
Total Closing Costs$14,135
Typical Closing Cost Ranges for $350,000 Home
| Type | Low | Average | High |
|---|---|---|---|
| Buyer Costs | $7,000 | $12,250 | $17,500 |
| Seller Costs | $21,000 | $28,000 | $35,000 |
| Refinance Costs | $5,250 | $7,000 | $10,500 |
Ways to Reduce Closing Costs
- Shop around: Get quotes from multiple lenders
- Negotiate: Some fees are negotiable (origination, title)
- Seller credits: Ask seller to cover some buyer costs
- Lender credits: Higher rate = lower upfront costs
- No-closing-cost mortgage: Rolled into loan (higher rate)
- Compare title companies: Prices vary significantly
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Last updated: January 2026
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Frequently Asked Questions
How much are closing costs for buyers?
Buyer closing costs typically range from 2-5% of the home price. On a $400,000 home, expect $8,000-$20,000. Major costs include loan origination (0.5-1%), title insurance ($1,000-$3,000), appraisal ($300-$600), home inspection ($300-$500), and prepaid items like property taxes and homeowner's insurance. Costs vary significantly by state due to transfer taxes.
What closing costs do sellers pay?
Sellers typically pay 8-10% of the sale price. The largest cost is real estate commission (5-6%), split between buyer's and seller's agents. Other seller costs include transfer taxes (varies by state), title insurance (owner's policy), prorated property taxes, and any mortgage payoff costs. Sellers may also negotiate to pay some buyer closing costs.
Can closing costs be rolled into the mortgage?
Yes, through several methods. No-closing-cost mortgages add costs to your loan balance or increase your interest rate. Lender credits trade a higher rate for upfront cost coverage. On refinances, you can often roll costs into the new loan. However, this means paying interest on those costs over the loan term—calculate if it's worth it based on how long you'll keep the mortgage.
What is a Loan Estimate and when do I get it?
A Loan Estimate is a standardized 3-page form lenders must provide within 3 business days of your mortgage application. It details loan terms, projected monthly payments, and itemized closing costs. Compare Loan Estimates from multiple lenders—focus on the 'Loan Costs' section. Your final Closing Disclosure (received 3 days before closing) should closely match the Loan Estimate.
Which closing costs are negotiable?
Several fees are negotiable. Loan origination fees (ask lenders to reduce or waive), title insurance (shop multiple companies—prices vary 30%+), attorney fees, home warranty, and inspection fees. You can also negotiate seller credits (seller pays part of your costs) or lender credits (higher rate, lower upfront costs). Always get multiple quotes and ask 'Can you do better?'