Buyer · Closing Costs
Closing Cost Calculator for Buyer
Enter your loan amount and estimated fees so you can instantly see your expected cash needed to close.
Built by Jim Blackburn · NMLS #1072866 · $500M+ closed · 7× Scotsman Guide Top Producer
For reference — does not change the totals below.
Loan Costs (A + B + C)
Points/discount and underwriting (entered as a dollar amount).
Appraisal, credit, flood cert.
Title search, pest, survey.
Other Costs (D + E + F + G)
Recording fees and transfer taxes.
Insurance, prepaid interest, initial taxes.
Owner's title policy, home warranty, HOA setup.
Summary
Subtotals
Cash to Close
Estimates only — not a commitment to lend.
Seller Credits
Up to 6% seller credit toward a buyer's closing costs, prepaids, and rate buydown is allowed with FHA, USDA, and VA loans, and with conventional loans for a primary residence with 10%+ down.
3% is typical with a conventional loan for a primary residence with less than 10% down, and for second homes and rental properties.
By Jim Blackburn
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Schedule a CallImportant Disclaimer
This calculator is for illustrative purposes only and does not constitute financial, legal, or investment advice. Results are based on general assumptions and may not reflect actual performance or eligibility. This is not a loan estimate or approval. Please consult with a licensed mortgage advisor before making financial decisions.