Mortgage Closing Costs Estimator
Estimate your closing costs and cash needed to close.
All calculations happen locally in your browser — nothing is uploaded, stored or tracked.
Enter price and down payment
To size the loan.
Set the fee estimates
Origination % plus each itemized fee.
Read the total
Closing costs and total cash to close.
What Are Closing Costs?
Closing costs are the fees paid when a mortgage closes: lender origination, appraisal, title insurance, recording and escrow prepaids. They typically total 2–5% of the home price.
The estimator itemizes each cost — origination as a percentage of the loan, the rest as amounts you enter — and reports the total closing costs plus the cash you need at closing (down payment + closing costs).
Typical Components
- Loan origination: 0.5–1% of the loan amount
- Appraisal: $300–$600 · Credit report: $30–$80
- Title insurance + escrow: $1,500–$3,500
- Recording fees: $100–$400 · Prepaid interest and taxes: varies
Your data never leaves your device.
Every calculation on this site runs in your browser using vanilla JavaScript. Nothing is uploaded, stored or tracked.
- 100% local, client-side calculations
- No data stored on any server
- No tracking, no analytics, no ads scripts
- Works offline once loaded
Frequently Asked Questions
How much are closing costs?
Typically 2–5% of the purchase price. The estimator itemizes the common components.
Who pays closing costs?
Usually the buyer, though some costs can be negotiated with the seller or covered by concessions.
What is loan origination?
The lender's fee for processing the loan, usually 0.5–1% of the amount.
Do I pay closing costs in cash?
Yes, at closing — together with the down payment. This calculator shows the combined cash needed.
Are prepaids included?
Prepaid interest, taxes and insurance vary; enter your estimates in the appropriate fields.