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Closing Cost Calculator

Estimate the one-time fees you pay at closing on a home, from origination to title insurance, and see your total cash to close. Enter your numbers and press Calculate.

Written by TopicDrill Editorial Team·Updated June 2026

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Purchase details

Fill in the details, then press Calculate.

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Total closing costs

$8,500.00

Percent of price2.43%
Loan amount$280,000
Cash to close$78,500

Cash to close includes your down payment of $70,000.

Where your closing costs go

Loan origination$2,800.00
Title insurance$1,750.00
Appraisal fee$500.00
Recording fees$150.00
Prepaid escrow$2,500.00
Other fees$800.00

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How the closing cost calculator works

Closing costs are made up of several fees, some charged as a percent of the loan or price and others as flat amounts. This tool calculates loan origination from your loan size, title insurance from the home price, and adds your flat fees like the appraisal, recording and prepaid escrow. The breakdown bar shows where each dollar goes.

The result also reports your closing costs as a percent of the home price, which is the quickest way to sanity check whether your estimate looks normal. Most buyers land in the 2% to 5% range.

A quick example

On a $350,000 home with $70,000 down, the loan is $280,000. A 1% origination fee is $2,800, title insurance at 0.5% of price is $1,750, and flat fees plus prepaid escrow might add another $3,950. Total closing costs are around $8,500, or roughly 2.4% of the price, making cash to close about $78,500.

Things to keep in mind

These are estimates. Your lender must provide an official loan estimate with itemized fees within three business days of your application. For an explanation of each fee, the Consumer Financial Protection Bureau is a reliable source. Plan the rest of your purchase with our other free calculators.

Frequently asked questions

What are closing costs?

Closing costs are the one-time fees you pay to finalize a home purchase, separate from your down payment. They cover items like loan origination, title insurance, the appraisal, recording fees and prepaid taxes and insurance held in escrow.

How much are closing costs?

For buyers, closing costs commonly run about 2% to 5% of the home price. The exact amount depends on your loan, location and the specific fees charged. This calculator totals each line item and shows the result as a percent of the price.

What is cash to close?

Cash to close is the total money you need at the closing table. It equals your down payment plus your closing costs, minus any credits. This tool adds your down payment to the estimated closing costs so you can plan how much to bring.

Can closing costs be negotiated or covered?

Some fees are negotiable, and you can ask the seller for a credit toward closing costs or roll certain costs into the loan. Shopping lenders for title and origination fees can also lower the total. Always review the official loan estimate for exact figures.

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