BUYER CLOSING COSTS CALCULATOR

What Will You Need at Closing?

Estimate your total closing costs and cash needed to close. Know exactly what to budget for beyond your down payment.

Lender Fees Title & Escrow Prepaid Items

Closing costs typically range from 2-5% of the purchase price. This gives you a realistic estimate.

What's typically included?

Lender fees: Origination, appraisal, credit report
Title & escrow: Title insurance, escrow fees, recording
Prepaids: Property taxes, homeowner's insurance, interest
Other: HOA transfer, home warranty, inspections

Purchase Price ($)

Down Payment (%)

Loan Type

Annual Property Tax Rate (%)

California averages ~1.1%

Monthly HOA Fee ($)

Seller Credit ($)

Credits the seller is contributing to your closing costs

Frequently Asked Questions

What are buyer closing costs?

Buyer closing costs typically include loan origination fees (0.5-1%), appraisal ($300-500), title insurance ($1,000-2,000), escrow fees, inspection fees ($300-500), and prepaid items like taxes and insurance.

How much are closing costs for buyers?

Buyer closing costs typically range from 2-5% of the purchase price. On a $500,000 home, expect $10,000-$25,000 in closing costs.

Can I negotiate closing costs?

Yes, you can negotiate some closing costs. Ask the seller for a credit toward closing costs, shop for your own title insurance, and compare lender fees. Seller credits of 1-3% are common in buyer-favorable markets.