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
Example calculation
Illustrative example — not advice
Worked example — the closing cost calculator as it loads, using the default figures below.
- 01Enter home price: $350,000.
- 02Enter deposit: $70,000.
- 03Enter lender fee (of loan): 1%.
- 04Enter discount points: 0%.
- 05Enter title, legal and survey: $2,200.
- 06Enter transfer tax (of price): 0.5%.
- 07Enter prepaid taxes and insurance: $2,400.
- 08Read the cash needed at closing from the results panel: $79,150.
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.
These figures come straight from the calculator above running on the values listed, so you can retype them and confirm every number yourself. Change any input and the results update immediately. Illustrative only — not a quote, offer or recommendation.
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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- Mortgage Refinance CalculatorMonthly saving and break-even point on a refinance.
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