Closing Cost Estimator
What you’ll actually pay at closing
$
$
%
% / yr
$/ yr
Loan amount: $400,000 (80.0% LTV)
Estimated closing costs
$6,741
1.35% of price · cash to close: $101,741 ($100,000 down + $6,741 closing)
Closing costs typically run 2–5% of the home price. Your number sits at 1.35%.
Many fees are negotiable or shoppable. Your Loan Estimate (Page 2) breaks them out; compare to this.
Total closing costs
$6,741
1.35% of price
Cash to close
$101,741
down + closing − $5,000 credits
Lender fees
$0
0.00%
Third-party
$1,610
0.32%
Government / taxes
$2,500
0.50%
Prepaids / escrow
$2,631
0.53%
Lender fees$0
Origination fee
~0.5–1% of loan
$
Application fee
$
Underwriting fee
$
Discount points
1 point = 1% of loan, lowers rate ~0.25%
$
Third-party fees$1,610
Appraisal
$
Credit report
$
Lender's title insurance
protects the lender; required
$
Owner's title insurance
protects you; in FL/SE/MD typically seller-paid (toggle above)
$
Title search & exam
$
Settlement / escrow
$
Recording fees
$
Survey
often skipped or seller-paid
$
Pest inspection
$
Government & transfer taxes$2,500
% of price
% of loan
Transfer tax (0.5% of price)$2,500
Prepaids & escrow$2,631
months
$
Prepaid interest (15 days @ 6.5%)$1,068
Property tax escrow (3 months)$1,563
Insurance prepaid (annual + escrow)$0
Prepaids aren’t really “costs” — they’re money you’d owe anyway, just paid up front. They cycle through your escrow account.
Credits & adjustments$-5,000
These reduce cash to close, not the gross closing-cost figure. Your CD (Closing Disclosure) will show all of these as separate lines.
$
$
$
$