Mortgage Calculators
Mortgage Amortization Calculator
Month-by-month principal, interest, and balance.
Mortgage Closing Costs Calculator
Plan cash to close on a U.S. home purchase. Estimate lender fees, title and escrow, government recording charges, prepaids, and your down payment by loan type and state.
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Tool workspace
Planning estimate for U.S. purchases. Your Loan Estimate and Closing Disclosure from the lender are official. County transfer taxes can differ from the state typical rate.
Estimated cash to close
$0
Down payment$0
Closing costs$0
Seller credits$0
Loan amount$0
Typical 2–5% band$0
| Fee | Amount |
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How it works
- Enter home price, down payment percentage, state, and loan type (conventional, FHA, VA, USDA).
- Toggle fee categories: lender, title, prepaids, recording taxes, and optional seller credits.
- See estimated closing costs, prepaids, and total cash needed at closing.
Features
- Cash to close summary with down payment + costs
- Lender, title, prepaids, and government fee buckets
- Conventional, FHA, VA, and USDA loan type presets
- U.S. state selector for transfer tax placeholders
- Seller credit offset (optional)
- Educational breakdown, not a substitute for your Closing Disclosure
What are mortgage closing costs?
Closing costs are fees paid when you finalize a U.S. home purchase or refinance. Buyers often search closing cost calculator or cash to close calculator to make sure savings cover more than the down payment alone.
Typical buckets include lender origination and underwriting, title insurance, appraisal, prepaid property taxes and insurance, per diem interest, and recording taxes that vary by state and county.
Loan type changes what you pay
FHA loans include upfront and monthly mortgage insurance. VA loans may charge a funding fee. USDA has guarantee fees. Conventional loans with low down payments trigger PMI. The calculator preview lets you pick a loan type so future defaults match your scenario.
How to calculate closing costs
A quick way to estimate closing costs is 2% to 5% of the purchase price. On a $400,000 home that is roughly $8,000 to $20,000. For a closer number, add up each line: lender fees, appraisal, title insurance and settlement fees, recording and transfer taxes, plus prepaids such as homeowners insurance, property tax escrow, and a few days of interest.
Your lender must give you a Loan Estimate within three business days of your application. Compare it with this estimate, then look for the same fees on your Closing Disclosure before you sign.
Closing costs when paying cash
A cash buyer skips lender charges such as origination, underwriting, and the mortgage insurance premium, so total closing costs are usually much lower. You still typically pay for title search and title insurance, escrow or settlement fees, recording fees, transfer taxes, and your share of property taxes and insurance. Many cash buyers also order an inspection and a survey.
Mortgage Closing Costs Calculator FAQ
Add lender fees, title and settlement fees, recording and transfer taxes, and prepaids such as insurance and tax escrow. As a shortcut, multiply the purchase price by 2% to 5%.
Skip the lender fees and mortgage insurance. Add title insurance, escrow or settlement fees, recording and transfer taxes, and prepaid taxes and insurance. Cash deals are often well under 2% of the price, depending on your state.
Many buyers budget 2% to 5% of the purchase price, but your state, loan type, and lender quotes matter. Use this tool for planning, then compare your Loan Estimate.
It is the total wired or brought to closing: down payment plus closing costs and prepaids, minus credits.
Lenders often collect escrow reserves for taxes and insurance. This estimate includes prepaid insurance, tax escrow months, and roughly 15 days of interest.
No. Your lender’s Closing Disclosure is legally binding. This calculator is an educational estimate.