Kalkulator Biaya Penutupan
Kalkulator biaya penutupan gratis. Estimasi biaya penutupan untuk pembeli dan penjual, termasuk hak milik, penilaian, biaya pendaftaran, dan pajak transfer.
Rp
%
Rp 32.102.900
3.2% of home price
Rp 200.000.000
20%
Rp 232.102.900
Down + Closing
Rp 800.000.000
Closing Cost Breakdown
Loan Origination FeeRp 8.000.000
Appraisal FeeRp 500
Credit ReportRp 50
Title SearchRp 5.000.000
Title InsuranceRp 5.000.000
Survey FeeRp 500
Attorney FeesRp 1.000
Recording FeesRp 300
Home InspectionRp 400
Pest InspectionRp 150
Prepaid Insurance (1 yr)Rp 3.500.000
Prepaid Property Tax (3 mo)Rp 5.000.000
Prepaid Interest (15 days)Rp 1.600.000
Escrow Deposit (2 mo)Rp 4.000.000
Total Closing CostsRp 32.102.900
Typical Closing Cost Ranges for Rp 1.000.000.000 Home
| Type | Low | Average | High |
|---|---|---|---|
| Buyer Costs | Rp 20.000.000 | Rp 35.000.000 | Rp 50.000.000 |
| Seller Costs | Rp 60.000.000 | Rp 80.000.000 | Rp 100.000.000 |
| Refinance Costs | Rp 15.000.000 | Rp 20.000.000 | Rp 30.000.000 |
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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