Closing Costs Calculator
Estimate the fees and costs you'll pay at closing, whether you're buying or selling.
Data last updated: January 2026
Property Details
Used to calculate prepaid interest
Estimated Closing Costs
Total Closing Costs
$10,389
2.6% of home price
Cash Needed at Closing
$90,389
Down payment + closing costs
Cash Needed Summary
About These Estimates
Closing costs typically range from 2-5% for buyers and 6-10% for sellers. Your actual costs will depend on your lender, title company, and negotiated terms. Always request a Loan Estimate (buyers) or settlement statement (sellers) for accurate figures.
Estimated closing costs: $10,389
Many lenders offer credits that can significantly reduce these costs. See what's available to you.
Disclaimer: These are estimates only. Actual closing costs vary significantly based on lender, title company, and specific transaction details. Get a Loan Estimate from your lender for accurate figures.
Frequently Asked Questions
How much are closing costs?
Closing costs typically range from 2-5% of the purchase price for buyers and 6-10% for sellers (including agent commissions). On a $400,000 home, buyers might pay $8,000-$20,000, while sellers could pay $24,000-$40,000.
Who pays closing costs, buyer or seller?
Both parties pay closing costs. Buyers pay lender fees, title insurance, appraisal, prepaid taxes/insurance, and recording fees. Sellers pay agent commissions, transfer taxes, and their portion of title fees. Some costs are negotiable.
What is included in closing costs?
Buyer closing costs include loan origination fees, appraisal, credit report, title insurance, escrow fees, prepaid interest, property taxes, and homeowners insurance. Seller costs include agent commissions, transfer taxes, and title fees.
Can closing costs be rolled into the loan?
Some closing costs can be financed. FHA loans allow the upfront MIP to be added to the loan. Some lenders offer "no-closing-cost" loans with higher interest rates. Seller credits can also help cover buyer closing costs.
Related Calculators
Closing Costs by State
View transfer tax rates and closing cost details for your state.