Closing Costs Calculator
Estimate lender and third-party fees on a home purchase.
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About the Closing Costs Calculator
Estimates the lender and third-party fees due at closing on a home purchase — separate from your down payment — using the commonly cited 2-5% of loan amount range.
- Enter your Loan amount (the amount you're borrowing, not the home's purchase price).
- Read the typical estimate and the low-to-high range in the result panel.
A $360,000 loan amount falls between $7,200 (2%) and $18,000 (5%) in estimated closing costs, with $12,600 (3.5%) as a rough midpoint — your lender's Loan Estimate document will show your actual figure once you're under contract.
This estimates a purchase mortgage's closing costs. A refinance typically runs somewhat lower as a share of the loan (no new title insurance policy is always required, for instance) — see this site's Mortgage Refinance Calculator, which cites a separate 3-6% refinance-specific range from Chase.
- • Your lender is legally required to provide a Loan Estimate within 3 business days of application, itemizing your actual closing costs — use this calculator for early planning, then switch to the real document once you have one.
- • Some closing costs are negotiable or shoppable (title insurance, home inspection) even when others aren't (recording fees, transfer taxes) — ask which fees you can compare across providers.
- • Asking the seller for a closing-cost credit, where market conditions allow it, is a common way to reduce your cash needed at closing without changing the purchase price.
- LendingTree — How much are closing costs? Average costs and fees — accessed 2026-08-25
Illustrative estimate only, not financial or tax advice. Verify figures with a licensed adviser or your local tax authority.