Closing Cost Calculator
Estimate buyer closing costs, prepaids, total closing costs, and cash to close.
- Last reviewed
- July 8, 2026
- Cost
- Free to use
- Data
- Runs in your browser
Loan Closing Costs
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Prepaids and Escrows
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Total Closing Costs
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Estimated Cash to Close
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Methodology
How this calculator handles inputs
This calculator uses the values you enter above and applies the formula explained in the guide below. Results update in the browser and are intended for quick planning, comparison, and sanity-checking.
- Use consistent periods, currencies, and units across inputs.
- Review any assumptions before using the result in a decision.
- Recalculate when rates, prices, tax rules, or business terms change.
Important note
This tool provides general planning information only. It is not tax, legal, financial, accounting, or investment advice. Check the current rules for your location and speak with a qualified professional before making a high-stakes decision.
Guide
How it works
Use this calculator to estimate home buyer closing costs.
What this calculator does
The closing cost calculator estimates loan closing costs, prepaids, total closing costs, and cash to close.
Closing Cost Formula
Total Closing Costs = Loan Amount x Closing Cost Rate + Prepaids
Example calculation
If your loan amount is 320,000, closing cost rate is 3%, and prepaids are 3,000, estimated closing costs are 12,600.
When to use this calculator
- planning cash to close
- estimating buyer costs
- comparing lender estimates
- preparing a home purchase budget
FAQs
Are closing costs the same everywhere?
No. They vary by lender, property, location, and loan program.
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