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Estimate what you’ll pay to close — lender fees, title, escrow, recording, and prepaid taxes and insurance — as a share of your loan.
Estimate only — actual fees vary by lender, title company, and county. Not a Loan Estimate.
Closing costs usually total 2%–5% of your loan. They break into lender fees (origination, underwriting), third-party fees (appraisal, title insurance, escrow, recording), and prepaids (taxes and insurance funded at closing). A broker can shop lenders and negotiate credits to lower what you pay out of pocket.
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Closing costs typically run about 2%–5% of the loan amount. On a $500,000 loan that's roughly $10,000–$25,000. They include lender/origination fees, appraisal, title insurance, escrow/settlement, recording, and prepaid taxes and insurance. This calculator estimates each line for you.
Closing costs include lender fees (origination, underwriting), third-party fees (appraisal, credit report, title insurance, escrow/settlement, recording), and prepaids (property taxes and homeowners insurance set aside at closing). Prepaids aren't really a 'cost' — they fund your escrow account.
Sometimes. On a refinance you can often roll closing costs into the loan; on a purchase you usually can't, but you can ask the seller for a credit or take a slightly higher rate in exchange for a lender credit. A broker can structure the option that costs you the least out of pocket.
Both pay some. Buyers cover most loan-related closing costs; sellers typically pay the real-estate commissions and some transfer taxes. In a buyer-friendly market, sellers often agree to a credit toward the buyer's closing costs — worth negotiating.
We’ll shop lender fees across multiple lenders and show you the true cost to close.