Mortgage Closing Costs Calculator

Enter purchase price, loan amount, individual settlement costs, prepaid items, and lender or seller credits to estimate cash needed beyond the down payment.

Purchase price

Loan amount

Lender / seller credits

Estimated cost items

Origination / lender fees

Appraisal + credit

Title / settlement

Recording / government

Prepaid interest

Initial tax / insurance escrow

Homeowners insurance prepaid

Other settlement costs

—Gross closing costs

—Net after credits

—% of purchase price

—% of loan amount

Use your Loan Estimate or Closing Disclosure for actual figures. The often-cited 2%–5% range is only a broad planning reference; location, loan type, points, prepaid items, taxes, and credits can move the total outside it.

How to use the Mortgage Closing Costs Calculator

Enter the purchase and loan amounts, then replace each fee, prepaid item, escrow deposit, and credit with numbers from your lender or settlement documents.

Planning range, not a quote

Closing costs often include lender, appraisal, title, recording, prepaid interest, insurance, taxes, and escrow items. Broad 2%–5% rules of thumb are only planning references; the actual Closing Disclosure is the authoritative transaction document.