Closing Cost Calculator
Free closing cost calculator. Estimate buyer and seller closing costs, including title, appraisal, recording fees, and transfer taxes.
$
%
$14,135
4.0% of home price
$70,000
20%
$84,135
Down + Closing
$280,000
Closing Cost Breakdown
Loan Origination Fee$2,800
Appraisal Fee$500
Credit Report$50
Title Search$1,750
Title Insurance$1,750
Survey Fee$500
Attorney Fees$1,000
Recording Fees$300
Home Inspection$400
Pest Inspection$150
Prepaid Insurance (1 yr)$1,225
Prepaid Property Tax (3 mo)$1,750
Prepaid Interest (15 days)$560
Escrow Deposit (2 mo)$1,400
Total Closing Costs$14,135
Typical Closing Cost Ranges for $350,000 Home
| Type | Low | Average | High |
|---|---|---|---|
| Buyer Costs | $7,000 | $12,250 | $17,500 |
| Seller Costs | $21,000 | $28,000 | $35,000 |
| Refinance Costs | $5,250 | $7,000 | $10,500 |
Ways to Reduce Closing Costs
- Shop around: Get quotes from multiple lenders
- Negotiate: Some fees are negotiable (origination, title)
- Seller credits: Ask seller to cover some buyer costs
- Lender credits: Higher rate = lower upfront costs
- No-closing-cost mortgage: Rolled into loan (higher rate)
- Compare title companies: Prices vary significantly
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