Closing Cost Calculator
Estimate closing costs and cash-to-close using your loan amount, lender credits, and prepaid items.
Configure your scenario
Enter home price, down payment, and closing cost rate to estimate cash needed at closing.
$360,000
$10,800
$104,300
Detailed estimate
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Closing costs - quick answers
Why is my cash to close higher than down payment?+
Cash to close typically includes down payment plus closing fees and prepaid items such as escrow funding.
Are these exact lender fees?+
No. Final numbers come from your Loan Estimate and final Closing Disclosure.
Official references
Sources & Act Reference
Closing-cost model references
Closing Disclosure basis
Final fees, projected payment, and cash-to-close amounts are documented on the Closing Disclosure.
Range-based estimate
Closing-cost percentage is user controlled and should be compared against lender documents.
Rule Trace
Applied rule and official references
Applied rule: cash to close = down payment + net closing costs + prepaid items
Official quick links
Compliance checklist
Confirm fees line-by-line with your Loan Estimate and final Closing Disclosure before funding.
Smart Insight
Estimated cash to close is $104,300.
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