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Estimate total closing costs for a US home purchase. See itemized lender, title, government, and prepaid costs, and understand which fees are negotiable before you close.
Closing costs are fees paid at settlement when transferring ownership of a property. For US home buyers, they typically total 2% to 5% of the loan amount. Major categories include lender fees (origination, underwriting, appraisal), title fees (title search, title insurance), government recording and transfer taxes, and prepaids (homeowners insurance, prepaid interest, and escrow setup). Some costs are negotiable or can be rolled into the loan; others are fixed by state law. This calculator estimates itemized closing costs based on your home price, loan amount, and cost level (low, average, or high) reflecting regional variation, and shows total cash needed at closing after accounting for your down payment.
A typical scenario using default values
{
"home_price": 300000,
"loan_amount": 240000,
"state": "average"
}