Closing Cost Calculator

Add up closing line items and edit any amount. The defaults are a starting point you can change.

Origination fee ($)

Appraisal ($)

Credit report ($)

Lender's title policy ($)

Settlement or escrow fee ($)

Recording fees ($)

Survey ($)

Attorney or closing fee ($)

Home inspection ($)

Homeowners insurance ($)

Property tax escrow ($)

Prepaid interest ($)

Other ($)

Loan amount ($, optional)

Smart Tips

• Every amount is editable. The numbers in the form are starting points, not a quote.

• Clear puts those starting amounts back.

• A blank line counts as zero.

• This is not a state transfer-tax table and not a Closing Disclosure.

The Formula

Total = origination + appraisal + … + other

Lender= Origination, appraisal, credit
Charges tied to the lender

Title= Policy, settlement, recording
Title, escrow, survey, attorney

Prepaids= Insurance, tax, interest
Items paid ahead

Other= Inspection and anything else
The remaining lines

The starting amounts are origination $1,500, appraisal $550, credit report $50, lender’s title $1,200, settlement $750, recording $150, survey $450, attorney $800, inspection $500, homeowners insurance $1,400, and tax escrow $900. Prepaid interest and other start at $0. They are round figures so the form is not blank. Replace them with your own estimate.

Key Insights

A sum, not a disclosure

There is no state schedule and no title-rate manual behind the defaults.

Change any line

The result is only as good as the amounts you type over the starting figures.

Optional loan percent

Enter a loan amount if you want the total as a percent of that loan. Leave it blank to skip the percent.

Groups are labels

Lender, title, prepaids, and other are groupings of the lines. They are not a Loan Estimate section map.

Frequently Asked Questions

The line items on the form. Change any amount. A blank line counts as zero. The total is the sum, and the four figures beside it are the lender, title, prepaid, and other groups.

They are round starting points so the form is not blank: origination $1,500, appraisal $550, credit report $50, lender’s title $1,200, settlement $750, recording $150, survey $450, attorney $800, inspection $500, homeowners insurance $1,400, and tax escrow $900. Prepaid interest and other start at $0. They are not a state average and not a Closing Disclosure.

No. It does not use a state transfer-tax table, a title-rate manual, or a lender fee sheet. Replace every line with the figures from your own estimate.

It is optional. If you enter one, the caption shows the total as a percent of that loan. The percent is not itself a fee. Leave the field blank and the page only shows the dollar sum.

It puts the starting amounts back and clears the optional loan amount.

The total is the sum of the dollar amounts on the form. No state closing-cost table, title tariff, or lender fee feed is used. Source: CFPB closing costs explainer: https://www.consumerfinance.gov/ask-cfpb/what-are-closing-costs-en-145/.

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Total closing costs

Enter values to calculate

Lender fees

Title and settlement

Prepaids

Other

Note:The amounts in the form are editable starting points, not a state average and not a Closing Disclosure. Replace them with the figures on your own estimate.