Estimate buyer or seller closing costs by state. Includes lender fees, title insurance, prepaids, transfer taxes, and agent commissions.
Typically 2–6 months upfront
3.5% of purchase price
| Loan Origination (1%) | $3,200 |
| Underwriting Fee | $750 |
| Appraisal | $600 |
| Home Inspection | $500 |
| Lender's Title Insurance | $1,280 |
| Owner's Title Insurance | $1,400 |
| Settlement / Attorney | $1,200 |
| Recording Fees | $300 |
| Transfer Taxes | $1,200 |
| Prepaid Interest (~15 days) | $888 |
| Prepaid Insurance (12 mo) | $1,600 |
| Property Tax Escrow (3 mo) | $1,200 |
| Total Estimated Closing Costs | $14,118 |
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Buyer closing costs = Lender fees + Title/settlement + Appraisal + Transfer tax + Prepaids
Seller closing costs = Commission (5–6%) + Transfer tax + Title + Prorated taxes
Total typically ranges from 2–5% for buyers and 7–10% for sellers.
Closing costs on a $300,000 home typically range from $6,000 to $15,000 (2–5% of purchase price). Buyer costs average $9,000–$12,000 including lender fees, title insurance, prepaid taxes, and insurance escrow.
Both pay closing costs. Buyers pay lender fees, title insurance, prepaid items, and inspection fees (2–5% of price). Sellers pay real estate commission (5–6%) and transfer taxes, totaling 8–10% of sale price.
Yes, but it increases your loan balance and total interest paid. Rolling $10,000 into a 7% 30-year mortgage adds ~$67/month and costs $24,000 extra in interest over the loan term.
The largest items are: real estate commission (seller, 5–6%), title insurance ($500–1,500), loan origination fee (0.5–1% of loan), prepaid property taxes (2–6 months), and escrow reserves.
Yes. Lender origination fees and some third-party fees are negotiable. You can also ask the seller to pay a portion of your closing costs (seller concessions), typically up to 3–6% of the loan amount depending on down payment.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.