Closing Cost Estimator — The 2–5% Nobody Budgets
On a $400,000 home, closing costs run $8,000–$20,000 on top of the down payment. See the typical line items and your estimated total.
Quick answer: Free closing cost estimator: loan price in, estimated buyer closing costs out — origination, title, appraisal, escrow, points — with the typical 2–5% range explained.
| Loan origination (0.5–1%) | |
| Appraisal + credit + flood | ≈ $700 |
| Title search + insurance (~0.7%) | |
| Escrow prepaids (tax+insurance) | |
| Recording/transfer/misc | ≈ $800 |
How to use
- Open this page on any device — no signup needed.
- Fill in the fields above.
- Get your result instantly — nothing is uploaded.
About this tool
US buyer closing costs average 2–5% of the loan: loan origination (0.5–1%), appraisal ($500–800), title insurance + search (~0.5–1%), escrow prepaids (insurance + tax deposits), recording fees and optional points. This estimator gives the range on your price and itemizes typical amounts so you can compare Loan Estimates line by line.
FAQ
Can I reduce closing costs?
Are closing costs tax-deductible?
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