Closing Cost Calculator - Home Buyer Costs
Estimate buyer closing costs, seller fees, and net proceeds.
Tool Interface
Closing Cost Calculator
Estimate buyer closing costs, cash to close, seller fees, and net proceeds.
How to use
Enter the home price, down payment, and closing cost percentages for the buyer side, plus the sale details for the seller side. Press Calculate to see cash to close and net proceeds. Reset restores the example values.
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About This Tool
Frequently Asked Questions (FAQ)
What are closing costs?
Closing costs are the fees paid when a home sale closes: lender charges, title insurance, escrow, prepaid taxes and recording fees. Buyers typically pay 2 to 5 percent of the home price.
What does the closing cost calculator estimate?
For buyers it estimates total cash needed from the home price, down payment and closing cost percentage. For sellers it estimates net proceeds from the sale price minus agent commission, other fees and the remaining mortgage balance.
Who pays closing costs, the buyer or the seller?
Both. Buyers usually cover lender and title costs while sellers typically pay the agent commission and transfer taxes, but the exact split varies by state and negotiation.
What makes up seller closing costs?
The largest item is usually the agent commission, plus transfer taxes, title fees, prorated property taxes and HOA dues, and the payoff of any remaining mortgage.
Is the closing cost calculator free?
Yes. It is free to use with no signup and no limits.