Closing costs and cash to close, set out in the sections of the Loan Estimate
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 6 Oct 2026.On the CFPB sample Loan Estimate, a $180,000 purchase with a $162,000 loan at 3.875%, closing costs are $8,054, or 4.47% of the price, and the cash to close is $16,054 after the $18,000 down payment and a $10,000 deposit. Your figures depend on your lender, title company and state.
Rates and rules read from the sources listed on this page (the earliest on 6 Oct 2026); they may have changed since.
Enter the purchase price, the loan amount and the interest rate.
Enter the lender fees and points, then the services you cannot and can shop for, from your quotes.
Enter the recording fees and your state and county transfer tax rate, if the buyer pays it.
Enter the yearly insurance and property tax, the prepaid months, the escrow months and the days of interest.
Add the deposit and any credits, then read the total closing costs and the cash to close.
The Closing Cost Calculator estimates what a home purchase costs at closing, laid out in the same sections as the Loan Estimate every US mortgage lender must give you. The layout comes from Regulation Z, 12 CFR 1026.37.
Loan costs. Section A is origination charges: points, a percent of the loan, plus application and underwriting fees. Section B is services the lender chooses, such as the appraisal and credit report. Section C is services you can shop for, mostly title fees. D is their total.
Other costs. Section E is recording fees and transfer taxes; transfer tax rates differ by state and county, and who pays them is negotiated, so the rate is an input. Section F is prepaids: months of homeowners insurance and property tax, and interest from closing to the end of the month at a daily rate of loan × rate ÷ 360 (some lenders use 365). Section G is the first deposit into the escrow account. Section H is everything else, such as an owner's title policy. J, the total closing costs, is D plus the other costs less any lender credits.
Cash to close is the closing costs plus the down payment, less the deposit, seller credits and other credits, and less any costs financed in the loan. Like the Loan Estimate, each line is rounded to the whole dollar.
The example. The page opens on the CFPB's own sample Loan Estimate (form H-24(B)), and reproduces its published totals: $5,672, $2,382, $8,054 and $16,054. Those are 2013 sample figures, not today's prices, so replace every one with your own quotes.
What it does not do. It covers a purchase, not a refinance. It holds no state fee tables, seller costs, or real estate commissions. To compare a refinance, use the Refinance Calculator.
Closing costs depend on the loan, the title company, the state and the closing date. On the CFPB sample Loan Estimate, a $180,000 home with a $162,000 loan, they are $8,054, or 4.47% of the price. Transfer taxes, points and the number of prepaid months can move the total by thousands of dollars.
Section B lists services the lender requires and chooses the provider for, such as the appraisal and credit report, so you cannot shop for them. Section C lists required services where you may pick the provider, mostly title insurance, title search and the settlement agent. Shopping can lower section C.
Prepaid interest covers the days from closing to the end of the month. The daily amount is the loan times the rate divided by 360 or 365. On the CFPB sample, $162,000 at 3.875% is $17.44 a day on a 360-day year, so 15 days cost $262.
Lenders that pay your property tax and insurance from an escrow account collect a starting balance at closing, shown in section G. It is a few months of each: the CFPB sample collects two months of insurance at $100.83 and two of property tax at $105.30, $413 after rounding.
Cash to close is the total closing costs, minus any costs paid from the loan amount, plus the down payment, minus the deposit, seller credits and other credits. On the CFPB sample that is $8,054 plus $18,000 minus a $10,000 deposit, which gives $16,054.
Transfer tax rates and who pays them are set by each state, county or city, and the contract can change the split. Some states charge none. The calculator takes the buyer's share as a percent of the price; check your county recorder or title company for the rate that applies.
Rates and rules change; check the source before you rely on a figure.
Still stuck? Ask about Closing Cost Calculator and anybody who knows can answer. No account needed.
Also works as: Closing Cost Estimator · Cash to Close Calculator.
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