Closing Costs Calculator
What Will You Actually Pay at Closing?
Closing costs are the fees and taxes you pay on top of your down payment — usually 2–5% of the price. Most calculators stop there. This one shows the line items for your state, and tags which ones you can negotiate down or shop around for.
What you’ll need: A target price and your state. Rough numbers are fine — this is for planning, not paperwork.
What you’ll get: Your estimated cash due at closing, line by line, with a tag on each fee telling you whether you can fight it.
When is it paid? All at once, on closing day, usually by wire transfer or cashier’s check — it cannot go on a credit card. Your lender sends a “Closing Disclosure” with the final numbers at least 3 days before.
Wire fraud warning: scammers send fake “updated wiring instructions” emails to buyers right before closing, and the money is unrecoverable. Always confirm wire instructions by phone, using a number you look up yourself — never one from the email.
Estimates based on typical fees and your state’s buyer-side customs. Who pays which tax is set by local custom and is negotiable in your purchase contract. Your Loan Estimate (which lenders must give you within 3 days of applying) is the binding version of this page.
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