Mortgage Calculators
Closing Cost Calculator
Estimate the cash needed to complete a purchase: lender fees, points, title and legal costs, taxes and prepaid escrow, on top of the deposit.
Cash needed at closing
$79,150
- Closing costs excluding deposit
- $9,150
- Closing costs as a share of price
- 2.61%
- Lender fees
- $2,800
How this calculator works
Cash to close = deposit + lender fees + third-party costs + taxes + prepaid items
- points
- optional upfront interest paid to reduce the rate
Important considerations
- Some costs are negotiable or payable by the seller depending on the market.
- Prepaid escrow is not a fee — it funds an account you will draw on later.
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Learn more
Fixed vs. Variable Mortgage Rates: A Side-by-Side Comparison
How rate structure affects monthly payments, total interest, and the risk you carry over a full loan term.
When Refinancing a Mortgage Changes Your Total Cost
How break fees, remaining term, and the new rate combine to decide whether refinancing saves anything.
Home Loan Deposits and Loan-to-Value Bands, Explained
What a deposit changes about pricing, and why lenders group applications into LTV bands.
Terms used here
Frequently asked questions
How much are closing costs typically?
Commonly 2–5% of the purchase price, varying widely by state and lender.
Disclaimer
Legamoney calculators are educational tools. Results are estimates based on the figures you enter and do not constitute financial, tax or legal advice.
Last reviewed 2026-08-01