Buyer Closing Cost Calculator
Closing costs swing more by state than most buyers expect — transfer tax alone runs from $0 in Texas to about 4% in Delaware. Enter your price, state, and loan type to see every line item a buyer pays at the table, plus your total cash to close.
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How to use it
- 1 Enter the home price and choose your state — the state's real rates fill in automatically.
- 2 Set your down payment and loan type (Conventional, FHA, VA, or Cash).
- 3 Read the line-by-line breakdown: transfer tax, title, recording, lender fees, inspection and prepaids.
- 4 Check your total cash to close, then compare lenders or read the full state guide.
Why this matters
Buyer closing costs typically run 2%–5% of the purchase price, but the mix is very state-specific. Lender fees and the appraisal are roughly national; transfer tax, recording fees, title-insurance method, and whether an attorney is required are set by your state and even your county. A calculator that uses your state's actual rates — instead of a flat 'price × 3%' — tells you how much cash you really need to bring, and where you might shop (title insurance is fixed in some states, negotiable in others).
Frequently asked questions
How much are closing costs for a buyer?
Most buyers pay about 2%–5% of the purchase price in closing costs once you include lender fees, title insurance, recording fees, transfer tax (where the buyer pays it), the appraisal and inspection, and prepaids like the first year of homeowners insurance and a few months of property-tax escrow. The single biggest variable is your state — this tool uses each state's real rates.
What's included in closing costs?
Lender fees (origination, underwriting, processing), the appraisal and credit report, owner's and lender's title insurance, transfer/recordation tax, county recording fees, a home inspection, an attorney where required, and prepaid items (homeowners insurance and property-tax escrow). FHA and VA loans add their own upfront fees. The calculator itemizes each one.
Are closing costs included in the down payment?
No — they're separate. Your cash to close is the down payment plus closing costs. This tool shows both: the closing-cost total and the full cash-to-close figure including your down payment.
Can I roll closing costs into my loan?
Sometimes. You can often ask the seller for a credit toward closing costs, and on a refinance you can roll costs into the new loan. On a purchase you generally pay them at closing, though seller concessions and lender credits can offset them. These are estimates — confirm specifics with your lender's Loan Estimate.
Keep going
Know when closing-cost rates change
One short email when a state changes its transfer tax, recording fees, or title rules — the same dataset behind every estimate on this site. No spam. Unsubscribe anytime. We never share your email.