Closing Cost Calculator | Buyer & Seller Real Estate Fees
Estimate all closing costs for a home purchase or sale. Buyer side covers loan origination, title insurance, appraisal, prepaid interest, escrow reserves, and transfer taxes. Seller side shows net proceeds after agent commissions, payoff, and all settlement charges.
Property & Transaction
Seller Information
What Are Closing Costs?
Closing costs are fees and expenses paid at the close of a real estate transaction, on top of the purchase price. Buyers typically pay 2–5% of the loan amount in closing costs; sellers typically pay 6–10% including agent commissions.
Common Buyer Closing Costs
| Cost Item | Typical Amount |
|---|---|
| Loan origination fee | 0.5–1% of loan |
| Appraisal fee | $300–600 |
| Title insurance (lender) | $1,000–2,500 |
| Title insurance (owner) | $500–1,500 |
| Home inspection | $300–500 |
| Recording fees | $50–250 |
| Prepaid taxes & insurance | 2–3 months upfront |
| Escrow setup | $200–500 |
| Attorney fee (if required) | $500–1,500 |
How to Reduce Closing Costs
Shop around for title insurance and lender fees — these are often negotiable. Ask the seller to contribute to closing costs (seller concessions) as part of your offer. Some lenders offer "no-closing-cost" mortgages that roll fees into the interest rate. First-time homebuyer programs often include closing cost assistance.
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