Closing Costs Estimator

Estimate buyer or seller closing costs, closing-cost percentage, buyer cash to close, and seller net before loan payoff from the sale price and fee assumptions.

Last updated: 2026-03-25

Closing costs estimator

Enter your values

Estimate the real transaction stack for buyers or sellers before you see the final settlement statement.

Estimated Closing Costs

Enter the sale price and fee assumptions to estimate closing costs for either side of the transaction.

Calculation History(0)

No calculations yet. Complete a calculation to see it here.

Example calculations

Tap an example to prefill the calculator with sample values.

Conventional buyer estimate

$550k purchase with 20% down

A practical buyer-side estimate when you need to combine lender fees, prepaids, and title work into one cash-to-close number.

Result: Buyer cash-to-close lands meaningfully above the headline down payment once lender and prepaid items are layered in

Seller-side net estimate

$725k sale with full commission

A useful pre-listing estimate when the main question is how much of the gross sale price survives after commission and transfer fees.

Result: Commission dominates the seller stack, with title and transfer fees filling in the rest

How the closing-cost estimate works

The calculator treats title, escrow, transfer taxes, and commission as price-based costs, then adds buyer-only lender fees and prepaid items when the estimate is on the buyer side.

That gives you a quick planning number for buyer cash to close or seller net before loan payoff without pretending to replace a state-specific settlement statement.

Closing-cost FAQs

How buyer and seller stacks differ, and what this estimate includes or leaves out.

Why does the buyer estimate ask for prepaids?

Many buyer closing statements include prepaid property tax and homeowners insurance. Those are not lender fees, but they still affect the cash you need on closing day.

Does the seller result include mortgage payoff?

No. The seller output shows net proceeds before paying off any existing mortgage or liens. Add those separately if you need a true wire estimate.

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Combine settlement-cost estimates with affordability and mortgage planning.

Home Affordability Calculator

Check whether closing cash plus the monthly payment still fits your budget.

Mortgage Calculator

Use the same purchase assumptions to estimate the monthly payment.

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