TallyClose

Buyer Closing Cost Calculator

Build a purchase budget, see what makes up your cash requirement, and take a worksheet to your lender or closing agent.

Planning estimate, before actual quotes and transaction adjustments. See the assumptions and sources.

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Cash before deposits / credits

$89,102

Includes purchase funds; excludes prior deposits, credits and prorations

Estimated cash costs

$9,102

≈ 2.28% of the home price · excludes your down payment

0 of 3 line items settled
Review before using this estimate

Based on dataset June 2026. View rule changes

Line-by-line breakdown

Transfer tax (buyer share) recorded source $0
Deed & mortgage recording fees recorded source $30
Owner's title insurance recorded source $2,262
Lender's title insurance recorded source $100
Lender fees (origination, underwriting, processing) $2,350
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~3 months) model estimate $1,490
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How to use it

  1. 1 Enter the home price and choose your state and, where available, county. Read the recorded source and local limits.
  2. 2 Set your down payment, payment method and any applicable fee-financing or tax-payer choices.
  3. 3 Read the line-by-line breakdown: transfer tax, title, recording, lender fees, inspection and prepaids.
  4. 4 Download the worksheet and compare actual quotes. Add deposits, credits, prorations and other transaction adjustments with your closing professional.

Why this matters

A purchase budget is easier to check when each charge has a clear basis and payment timing. This worksheet separates purchase funds, estimated cash charges and fees added to a loan. Local taxes, title coverage, lender quotes and contract terms can change the result. Keep those questions beside the estimate, then use the actual-quote column and follow-up fields to record the answers.

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?

They are separate. This tool shows purchase funds plus estimated cash costs before prior deposits, seller or lender credits, prepaid interest and prorations. Those transaction adjustments are needed to determine your final cash to close. Fees financed into a loan are shown separately.

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

Real Estate Transfer Tax Lookup The transfer-tax rate, who pays, and the statute — by state and county. Title Insurance Fee Estimator Owner's + lender's title premiums, and whether you can shop the price. Seller Net Proceeds Calculator What you actually keep after commission, payoff, and costs. Download a clean PDF.