Closing Costs Calculator 2026 (USA)

The calculator uses your home price, loan amount, and selected assumptions to estimate typical closing fees, applying commonly used U.S. closing cost ranges. Outputs are indicative and may vary from your actual Loan Estimate or Closing Disclosure.

CFPB's TRID (TILA-RESPA Integrated Disclosure) rule requires lenders to provide a Loan Estimate within 3 business days of application and a Closing Disclosure at least 3 business days before closing. This calculator estimates typical costs; your actual Loan Estimate may differ. Origination fees are typically 0.5-1.5% of loan amount, appraisal $300-500, title $500-1,000.

Buyer's costs typically include loan origination (~1%), appraisal ($300-500), title ($500-1,000), homeowner's insurance, and prorated property taxes — usually 2-5% of purchase price. Seller's costs typically include agent commissions (5-6%), title insurance, and transfer tax — usually 8-10%. This calculator typically shows buyer costs; verify your state's requirements for the seller side.

Yes, homeowners considering refinancing can use it to estimate potential closing costs. Refinance closing costs include lender fees, appraisal, and title fees but often differ in structure from purchase costs, so actual figures may vary.

Loan-related fees such as origination charges and lender-required items like discount points don't apply to an all-cash purchase, so you can adjust the inputs to reflect only the fees that still apply, such as title, escrow, and recording fees.