Closing Cost Calculator
Estimate the closing costs on a home purchase, plus your loan amount and the total cash you'll need at the closing table.
Reviewed by the CalcCafe editorial team · Last updated 1 July 2026 · How we test our tools
Example
On a $350,000 home with 20% down, the loan is 350,000 × (1 − 0.20) = $280,000. Closing costs at 3% of the loan come to 280,000 × 0.03 = $8,400. Add the $70,000 down payment and you'll need about $78,400 in total cash to close.
How it works
Loan = price × (1 − down%/100); closing costs = loan × closing%/100; total cash to close = price × down%/100 + closing costs. The closing-cost percentage is applied to the loan amount, and cash to close adds your down payment.
Good to know
Closing costs are the fees you pay on top of your down payment to finalize a home purchase — lender charges, title insurance, appraisal, recording fees, prepaid taxes and insurance, and more. This tool takes a simple shortcut that most buyers find useful early on: it estimates total closing costs as a percentage of the loan amount, then rolls your down payment in to show the full cash you need at the table.
For most conventional purchases, closing costs land somewhere around 2% to 5% of the loan, so the 3% default is a reasonable middle-of-the-road starting point. The right number for you depends heavily on where you buy. States with transfer taxes or attorney-review requirements tend to run higher, while others are noticeably cheaper. Loan type matters too: FHA, VA and USDA loans carry their own fees and funding charges that a flat percentage won't capture precisely.
Keep in mind what this estimate does and doesn't include. It does not separate out which costs are one-time fees versus prepaid escrow items you'd owe anyway, and it doesn't account for seller concessions, lender credits, or rate buydown points that can shift the final figure up or down. Some of these costs are negotiable, and shopping title and settlement services can save real money.
Treat the result as a planning number to gauge whether you have enough saved, not a quote. Once you're under contract, your lender must send a standardized Loan Estimate within three business days that itemizes every charge, followed by a Closing Disclosure before signing — those are the documents to trust for the actual amount due.
Frequently asked questions
How much are closing costs on a house?
Typically around 2% to 5% of the loan amount for a conventional purchase, though it varies by state, lender and loan type. On a $280,000 loan at 3%, that's about $8,400 in closing costs, separate from your down payment.
Are closing costs included in my down payment?
No. Closing costs are separate fees paid on top of your down payment. This calculator adds them together into a single 'total cash to close' figure so you can see everything you'll need at the closing table.
Is my data uploaded anywhere?
No — this calculator runs entirely in your browser. Your inputs never leave your device, and it works offline once loaded.
Is this calculator free?
Yes, completely free with no sign-up and no limits.
People also ask
What is included in closing costs?
Lender origination and underwriting fees, appraisal, credit report, title search and title insurance, recording and transfer taxes, and prepaid items like homeowners insurance and property taxes. Exact items and amounts vary by lender and location.
Can closing costs be rolled into the mortgage?
Sometimes. Certain loan programs and lender-credit arrangements let you finance some closing costs, usually in exchange for a slightly higher interest rate. This raises your loan balance rather than eliminating the cost.
Who pays closing costs, buyer or seller?
Both can pay costs, but buyers typically cover the bulk of lender and title fees. Sellers may agree to 'concessions' that cover part of the buyer's closing costs, which is a common negotiating point.
Related calculators
Sources & references
This tool provides an educational estimate only, not financial advice — rely on your lender's Loan Estimate and Closing Disclosure for actual figures.
These tools follow our methodology and provide educational estimates only — verify important figures with a qualified professional.