Closing Costs Calculators
Budget for the cash beyond the down payment, on both sides of the table — what a buyer pays and a seller nets.
Closing costs are the cash that catches buyers and sellers off guard. These calculators tally both sides of the table — what a buyer pays in origination, title, escrow, appraisal and prepaid items, and what a seller nets after agent commission and transfer taxes.
Buyers typically spend 2–5% of the price at closing on top of the down payment; sellers give up a larger slice to commission. Estimate your number early so the figure at the table isn’t a surprise.
Closing Costs calculators — frequently asked
How much are closing costs?
For buyers they typically run 2–5% of the purchase price — roughly $6,000–$15,000 on a $300,000 home — covering origination, appraisal, title, escrow and prepaid taxes and insurance. The exact figure varies by state, mostly because of transfer taxes.
Who pays closing costs, the buyer or the seller?
Both, on different items. Buyers pay origination, appraisal, title and prepaids; sellers usually pay the agent commission and transfer taxes. In a buyer’s market you can negotiate a seller concession toward your costs.
What do closing costs include?
For a buyer: loan origination, appraisal, title search and insurance, escrow and recording fees, and prepaid property taxes, insurance and the first slice of interest. For a seller: mainly the real-estate commission and transfer taxes.
Can I roll closing costs into the loan?
Sometimes. On a refinance you can often finance them into the balance; on a purchase you usually pay in cash, but you can ask the seller for a credit or take a lender credit in exchange for a slightly higher rate.