Online Tool Store
Closing Cost Estimator
Get an itemized estimate of typical home-purchase closing costs — origination, title insurance, appraisal, and more — from your purchase price. Runs entirely in your browser.
🔒 This tool runs entirely in your browser. Your files are never uploaded to a server.
| Fee | Typical rate | Estimated cost |
|---|---|---|
| Total estimated closing costs | ||
Based on typical US ranges — actual fees vary significantly by state, lender, and property type.
How it works
- Enter your home's purchase price.
- Common closing cost line items are estimated using typical percentage rates or flat fees.
- The total gives you a ballpark figure to budget for beyond your down payment.
The formula
Percentage-based fees (loan origination, title insurance, attorney/escrow) are calculated as a share of the purchase price; appraisal, recording, and inspection fees use typical flat-rate estimates, since they don't scale directly with home price.
FAQ
Why are these numbers just an estimate?
Closing costs vary widely by state, county, lender, and property type. This uses commonly cited national averages as a starting point, not a quote from any specific lender.
What's typically included in closing costs?
Loan origination fees, appraisal, title insurance and search, recording fees, attorney or escrow fees, and a home inspection are among the most common line items.
Does this include the down payment?
No — closing costs are separate from your down payment; this estimate only covers the fees charged to process and close the transaction.
Is my home price sent anywhere?
No — every fee is calculated locally with simple percentage and flat-fee math.
How we compare
| Feature | Online Tool Store | Lender GFE/Loan Estimate | NerdWallet estimator |
|---|---|---|---|
| No lender contact required | ✓ | ✗ | ✓ |
| Itemized line-by-line breakdown | ✓ | ✓ | ✓ |
| Exact figures for your specific loan | ✗ | ✓ | ✗ |
Use this for early budgeting before you have a real Loan Estimate in hand — treat your lender's actual disclosure as the number that matters once you're under contract.