Real Estate Closing Cost Calculator

Enter your purchase price and state to get a detailed breakdown of estimated closing costs. Figures are averages — your lender must provide a Loan Estimate within 3 days of application with precise numbers.

Affiliate Disclosure: ClosingHub.com participates in affiliate programs. When you click partner links on this page and make a purchase or sign up, we may earn a commission at no extra cost to you. Our editorial content is independent of these relationships. See our full Disclaimer and Privacy Policy.

Closing Cost Estimator

Estimate your closing costs by state. Figures are averages — get a Loan Estimate for precise numbers.

Purchase Price

State

Transfer / Excise Tax$440

Title Insurance$2,200

Lender Origination & Fees$4,000

Escrow / Settlement Fee$600

Prepaid Items (Insurance, Interest)$4,800

Estimated Total

$12,040

3.0% of purchase price

* Estimates only. Does not include recording fees, HOA dues, or buyer agent commission. Lender fees vary widely. Request a Loan Estimate from your lender for actual figures.

What's Included in Closing Costs?

Lender Fees

· Origination fee (0.5–1% of loan)
· Application fee ($300–$500)
· Underwriting fee ($400–$900)
· Rate lock fee (varies)

Title & Settlement

· Owner's title insurance (varies by state)
· Lender's title insurance (required)
· Closing / settlement fee ($300–$800)
· Title search ($150–$400)

Government Fees

· Transfer / excise tax (0–4%)
· Recording fees ($25–$600)
· County documentary stamps (some states)

Prepaids & Escrow Setup

· Homeowners insurance (12+ months)
· Property tax escrow (2–6 months)
· Prepaid mortgage interest
· HOA dues (if applicable)

Buyer vs Seller Closing Costs

🏠 Buyer Typically Pays

· All lender fees (origination, underwriting)
· Appraisal fee
· Home inspection fee
· Prepaid items (insurance, taxes, interest)
· Recording fees (in most states)
· Owner's title insurance (in some states)

🔑 Seller Typically Pays

· Agent commissions (2.5–6%)
· Transfer / excise taxes (in most states)
· Owner's title insurance (in some states)
· Prorated property taxes
· Outstanding liens or HOA fees
· Home warranty (sometimes)

💡 FSBO Advantage on Commissions

By selling without a listing agent (FSBO), you can save the seller's agent commission — typically 2.5–3% of the sale price. On a $400,000 home, that's $10,000–$12,000 in savings. You'll still pay normal closing costs, but your net proceeds increase significantly.