Closing Close Calculator
Closing Costs Calculator works out Buyer closing costs and Buyer cash to close from Whose costs, Sale price and Down payment. The default figures on this page give buyer cash to close of 92,664.79; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
6 steps
- Loan amount = 400000 - 80000 down = 320000
- Origination = points on the loan + flat lender fees = 4400
- Title insurance = 0.5% x 400000 = 2000
- Prepaids = 854.79 interest + 2200 tax escrow + 1500 insurance = 4554.79
- Buyer closing costs = 12664.79; cash to close = 80000 + 12664.79 - 0 credit = 92664.79
- Seller closing costs = 22800; net proceeds = 400000 - 22800 - 0 payoff = 377200
Itemised chargestable
| label | amount | paidBy |
|---|---|---|
| Origination charges and points | 4,400 | buyer |
| Appraisal | 600 | buyer |
| Credit report and verifications | 60 | buyer |
| Title insurance premium | 2,000 | buyer |
| Title, settlement and escrow services | 900 | buyer |
| Recording / land registration fees | 150 | buyer |
| Prepaid interest | 854.79 | buyer |
| Property tax escrow | 2,200 | buyer |
| Prepaid home insurance | 1,500 | buyer |
Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
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Save it, change one figure, then compare the two
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What the Closing Costs Calculator calculates
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows, brokerage commission and concessions - and reports the buyer cash to close and the seller net proceeds.
How to use this Closing Costs Calculator
Enter Whose costs, Sale price, Down payment and Loan amount (if not price minus down payment). Buyer closing costs updates as you type, and “Use a worked example” loads checked figures you can adjust. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Buyer closing costs, Buyer cash to close and Seller closing costs.
The method follows 12 CFR 1026.37 (Regulation Z) - Content of the Loan Estimate, 12 CFR 1026.38 (Regulation Z) - Content of the Closing Disclosure and CFPB - Understanding the Loan Estimate and closing costs.
Buyer at 400,000 with 20% down and a typical fee set example
With Whose costs: buyer, Sale price: 400000, Down payment: 20, Loan origination / discount points: 1, the calculator returns Loan amount: 320000, Prepaid interest: 854.794521, Buyer closing costs: 12664.7945. This example is checked against an independent source in the test suite.
What you can compare
Change one input at a time to see how it affects Buyer closing costs, Buyer cash to close and Seller closing costs. The inputs you can vary are Whose costs, Sale price, Down payment, Loan amount (if not price minus down payment), Loan origination / discount points and Flat lender fees.
Understanding Buyer closing costs, Buyer cash to close and Seller closing costs
An estimate built entirely from the rates you enter. Title premiums, transfer and stamp duties, recording fees and commission practice vary by state, county and contract; only the lender Loan Estimate and the settlement agent's Closing Disclosure are authoritative.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
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Frequently asked questions
What would closing cost be on a $400,000 house?
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows. On this page it is computed from Whose costs, Sale price and Down payment and shown as Buyer closing costs, Buyer cash to close and Seller closing costs.
How to figure out how much closing costs are?
On the figures this page opens with — sale price 400,000, down payment 20%, loan origination / discount points 1% and flat lender fees 1,200 — the buyer cash to close is 92,664.79. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much are typical closing costs on a $300,000 house?
It needs Whose costs, Sale price, Down payment, Loan amount (if not price minus down payment), Loan origination / discount points and Flat lender fees. Nothing else is required, and the figures stay in your browser.
How much are closing costs on a $600000 house?
The result gives Buyer closing costs, Buyer cash to close, Seller closing costs, Seller net proceeds, Loan amount and Down payment, each labelled with its unit so the figure can be read on its own.
What information do I need for the Closing Costs Calculator?
You need Whose costs, Sale price, Down payment, Loan amount (if not price minus down payment), Loan origination / discount points, Flat lender fees, Appraisal fee and Credit report and verification fees. The page opens with default figures that give buyer cash to close of 92,664.79, so you can see the scale before entering your own.
What does this Closing Costs Calculator show?
It shows Buyer closing costs, Buyer cash to close, Seller closing costs, Seller net proceeds, Loan amount, Down payment, Origination charges and Title insurance premium, with the working and any warnings for your entries.