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📋 Closing Costs Calculator
Closing costs are fees due at mortgage closing — separate from down payment. Typical total: 2-5% of home price. This calculator estimates origination, appraisal, title insurance, escrow, recording fees, and prepaid items.
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Examples
$400k home, $320k loan
Output
~$10,500 total · Origination $3,200 · Title $1,800 · Appraisal $600 · Escrow $1,500 · Recording $200 · Prepaid $3,200Frequently asked questions
Can seller pay these?
Sometimes — "seller concessions" up to 3-6%. Better leverage in buyer's markets.
Tax-deductible?
Discount points are deductible. Most other fees go into cost basis (reducing future capital gains).
About this calculator
Closing Costs Calculator runs entirely in your browser using standard formulas. No data is sent to any server. We don't share your inputs with lenders, brokers, or anyone else — there's no funnel and no follow-up email.
Related tools
- 🏠 Mortgage Calculator — Monthly mortgage payment with amortization breakdown. Principal, interest, taxes, insurance.
- 🏠 Down Payment Calculator — How much down payment do you need? Scenarios from 3% to 20%.
- 🏘️ Home Affordability Calculator — How much house can you afford? Based on income, debts, down payment, and rate.
Why this calculator
vs typical free finance-calculator sites
| RichCalcs | Typical free site | |
|---|---|---|
| Price | Free | Free |
| Signup required | No | Often (for full results) |
| Ads inside the calculator | No | Yes (banner + sidebar) |
| Lead capture (email / phone) | No | Yes — sold to lenders |
| Data sent to server | No (browser-only) | Yes (analytics + tracking) |
| Amortization schedule | Full table | Often summary only |
| Bookmarkable URL per calc | Yes | Mixed |
| Loads in under 1s | Yes (static) | Often slow (ad tracking) |
| Open source | Yes | No |