Closing Cost Calculator
Estimate cash needed to close on a home.
Enter your values
Enter the purchase price in $.
Enter the down payment in %.
Enter the closing cost rate in %.
Enter the prepaid taxes & insurance in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Total cash to close
- $95,500.00
- Down payment
- $80,000.00
- Closing costs
- $12,000.00
- Prepaids and escrow
- $3,500.00
- Loan amount
- $320,000.00
Quick answer
Buyer closing costs typically run 2–5% of the purchase price on top of the down payment.
At a glance
| What it does | Estimate cash needed to close on a home. |
|---|---|
| Category | Real Estate |
| Inputs needed | Purchase price, Down payment, Closing cost rate, Prepaid taxes & insurance |
| Main output | Total cash to close |
| Cost | Free — no sign-up, no download |
How to use the Closing Cost Calculator
- 1Enter the purchase price.
- 2Enter your down payment percentage.
- 3Adjust the closing cost rate for your state.
Inputs explained
- Purchase price($)
- Enter the purchase price in $.
- Down payment(%)
- Enter the down payment in %.
- Closing cost rate(%)
- Enter the closing cost rate in %.
- Prepaid taxes & insurance($)
- Enter the prepaid taxes & insurance in $.
Worked example
Using the values the calculator loads with:
Inputs
- Purchase price400000 $
- Down payment20 %
- Closing cost rate3 %
- Prepaid taxes & insurance3500 $
Results
- Total cash to close$95,500.00
- Down payment$80,000.00
- Closing costs$12,000.00
- Prepaids and escrow$3,500.00
- Loan amount$320,000.00
Frequently asked questions
Can closing costs be rolled into the loan?
Sometimes, through lender credits at a slightly higher interest rate.
Who pays what?
Buyers pay lender and title fees; sellers usually pay agent commission.
What do I need to enter into the Closing Cost Calculator?
Just 4 values: purchase price, down payment, closing cost rate, prepaid taxes & insurance. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Closing Cost Calculator work out the answer?
Buyer closing costs typically run 2–5% of the purchase price on top of the down payment. The working is shown step by step so you can verify the result by hand.
Is the Closing Cost Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.