Estimate a home buyer's closing costs — and the total cash you'll need at closing once the down payment is added in.
Buyer closing costs typically run 2%–5% of the price (lender fees, title, appraisal, escrow, taxes, prepaids). Actual costs vary by state, lender, and loan. Seller costs (agent commissions) are separate. Not lending advice.
Closing costs are the fees to finalize a purchase beyond the down payment — lender origination, appraisal, title insurance, escrow, recording, and prepaid taxes and insurance. For buyers they typically total 2%–5% of the price. Your cash to close is these costs plus your down payment.
Cash to close = closing costs + down payment
Sometimes — through lender credits (for a higher rate) or seller concessions. Both reduce upfront cash but can raise your monthly payment or price.
Costs vary widely by state (transfer taxes especially), lender, and loan type. Your Loan Estimate document gives the lender-specific breakdown.
Related: down payment calculator · mortgage payment calculator · PMI calculator · all free calculators.
More free mortgage & home buying tools — no signup, works on any device.
Yes. The Closing Cost Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
Yes. The calculator is mobile-friendly and works on any phone, tablet, or computer — there is no app to install and nothing to save.
Yes. Scroll to “Add this free calculator to your site” above and copy the embed snippet to place the live calculator on your blog or website for free.
Last reviewed: September 2026. Free to use, no signup — Closing Cost Calculator by ToolWise Digital.
Copy the snippet to embed the live calculator on your blog or website — free for any site. The small “Calculator by ToolWise Digital” credit line keeps it free; you're welcome to remove it, but we appreciate you leaving it.
Ready-made Google Sheets & Excel trackers for money, taxes, and small business — each with a free phone version.
Browse the shop →Subscribe and we'll email you our Simple Monthly Budget (Google Sheets & Excel, plus a phone version) — free. Then the occasional short note on pricing, bookkeeping, and the money side of a small business. No spam — unsubscribe anytime.