Closing Costs Estimator
Calculate estimated closing costs for real estate transactions. Get buyer and seller cost breakdowns by state.
How it works
Estimates buyer and seller closing costs based on typical fees, state transfer taxes, and loan type requirements.
Example
$400K purchase, CA, conventional = $12K buyer costs, $28K seller costs.
FAQ
What are typical buyer closing costs?
Usually 2-5% of purchase price, including loan origination, appraisal, inspection, title insurance, escrow fees, and prepaid taxes/insurance.
What are typical seller closing costs?
Usually 8-12% of sale price, primarily realtor commissions (5-6%), plus title insurance, transfer taxes, escrow fees, and potential repairs/credits.
Can closing costs be negotiated?
Yes, many fees are negotiable including realtor commissions, title company selection, and some lender fees. Buyers can also ask sellers to pay some costs.
Do cash buyers have lower closing costs?
Yes, cash buyers avoid loan-related fees like origination, appraisal, and mortgage insurance, typically reducing costs by $3,000-5,000.
When are closing costs paid?
Most fees are paid at closing from escrow. Some upfront costs include inspections, appraisals, and loan application fees paid during the transaction process.