Closing cost calculator

Pick the state first, then enter the amounts from your Loan Estimate.

Your closing

State

Purchase price ($)

Origination charges ($)

Services you cannot shop for ($)

Services you can shop for ($)

Recording fees and other government charges ($)

Not the transfer tax, which is calculated separately.

Prepaids ($)

Prepaid interest, insurance premiums and property taxes due at closing.

Initial escrow payment at closing ($)

Other ($)

For example an owner's title policy or an inspection you are paying for.

Seller credits ($)

optional

Lender credits ($)

optional

Down payment ($)

optional · Needed for cash to close.

Loan Estimate compared with Closing Disclosure

Costs that cannot increase: on the Loan Estimate ($)

Costs that cannot increase: on the Closing Disclosure ($)

Costs limited to 10 percent in total: on the Loan Estimate ($)

Costs limited to 10 percent in total: on the Closing Disclosure ($)

Estimated closing costs -

The result is a calculation on your figures. It is not a guaranteed saving or an offer.

The form opens empty. Totals are built from your entries and, for transfer tax, from verified state data.

Loan costs-

Other costs-

Basis: the amounts you entered and, for transfer tax, the state source and date shown above. The rate and costs you can actually obtain may differ.

This estimate is not a loan offer or a personal recommendation about your closing. The Loan Estimate from your lender is the disclosure that counts.

For illustrative purposes only. Not a loan offer or commitment to lend. Cindrus is not a lender, mortgage broker or loan originator, we pass no information to lenders, and no lender pays us.

Create a free Cindrus account (opens in a new tab) After closing, record the home and the mortgage and follow both in your overview with your net worth. You will not be asked for a card.

The totals assume:

Every amount is entered once, under one heading.
Transfer tax is calculated at the state rate from your purchase price. Local transfer taxes are not included.
Credits reduce cash to close, not the cost of the items they pay for.
Property tax prorations between buyer and seller are included only if you entered them.
Nothing is added for amounts you leave blank.

Sources

Which closing costs can change →

Closing cost calculator

Your next step.

Take the result with you.

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Sources