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.

Core borrowing, saving & investing workflows

Start with the broad calculator that matches the decision, then move to a specialist only when the loan structure, cash flow, tax treatment, debt strategy or savings goal genuinely changes.

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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.