US Home Closing Costs & Cash-to-Close Calculator
Itemize buyer and seller closing costs (2%-5%), title insurance, escrow reserves, transfer taxes, and total cash required at settlement.
Itemize buyer and seller closing costs (2%-5%), title insurance, escrow reserves, transfer taxes, and total cash required at settlement.
Itemize buyer and seller closing costs (2%-5%), title insurance, escrow reserves, transfer taxes, and total cash required at settlement. Calculate exact, penny-accurate projections compliant with 2026 IRS • St. Louis FED (FRED) standards using Calconova's deterministic IEEE-754 (Decimal.js) calculation engine with instant breakdowns.
Property purchase price, financing, and escrow assumptions
Down payment: $90,000
Negotiated credit from seller
Total funds required at closing table (down payment + closing costs)
Closing Costs Alone
$14,329.98
% of Purchase Price
3.18%
Down Payment
$90,000
Mortgage Loan
$360,000
Cash to Close = Down Payment + (Lender Fees + Title & Escrow + Transfer Taxes + Prepaids) - Seller CreditsCalculated based on standard CFPB Loan Estimate disclosures. Down payment plus non-recurring closing charges plus prepaids and initial escrow reserves minus lender/seller credits.
All calculations, amortizations, and scenario projections displayed on this page are strictly for informational and educational purposes. Nothing herein constitutes investment, financial, tax, underwriting, or legal advice. Actual interest rates, closing costs, lender fees, and statutory criteria may vary. Calconova explicitly disclaims all liability for any financial decisions or actions taken based upon these calculations. Users are strongly advised to consult a certified financial planner, CPA, or licensed lending officer prior to executing financial commitments.
For home buyers, closing costs typically range between 2% and 5% of the total loan or purchase price (e.g., $9,000 to $22,500 on a $450,000 house). For home sellers, closing costs range between 6% and 10%, primarily driven by real estate broker commissions and state/local transfer stamps.
True closing costs are one-time fees paid to third parties (appraisers, title companies, loan underwriters, recorders). Prepaids are not transactional fees; they are advanced payments for your own ongoing ownership expenses, including 12 months of homeowners insurance, prepaid daily interest until month-end, and property tax escrow buffers.
Yes, via 'Seller Concessions'. Conventional loans allow seller credits up to 3% to 9% of the purchase price (depending on down payment size), FHA loans allow up to 6%, and VA loans allow up to 4%. These credits directly lower your out-of-pocket cash to close.
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