Escrow & Closing Costs Calculator

What you'll pay at the closing table

What is this? Closing costs are the fees and charges paid when you close on a home purchase or sale — typically 2-5% of the purchase price. These are separate from your down payment and must be paid in cash at closing.

For buyers: Lender fees, appraisal, title insurance, escrow fees, recording fees, prepaids (taxes + insurance). For sellers: Agent commissions (5-6%), transfer taxes, title insurance, escrow fees.

Who it's for: Home buyers and sellers budgeting for closing day.
Transaction Details
Cost Estimate
Total Closing Costs
—
As % of Sale Price
—
Cash Needed at Close
—

Estimates only. Actual closing costs vary by lender, title company, location, and negotiate. Consult a real estate attorney for exact figures.

Real Estate Closing & Title Tools

Tools that pair well with this calculator — selected by our team.

NerdWallet →
Compare mortgage rates and closing costs
Lendio →
$75/loan — home purchase loans
ToolBest ForNetwork
NerdWalletCompare mortgage rates and closing costsFlexOffers
Lendio$75/loanFlexOffers

We may earn a commission if you click above. Calculator is free to use.

Frequently Asked Questions

What is an escrow closing fee?

Escrow fees (0.5-1% of loan amount) pay for a neutral third party to facilitate the transaction, hold funds, and ensure all conditions are met before money changes hands. Title insurance is separate.

What is the difference between escrow and closing costs?

Closing costs = all fees at closing (lender fees + title + escrow + taxes). Escrow is specifically the fee for the neutral third-party service managing funds and documents.

Can I negotiate closing costs?

Yes — many closing costs are negotiable. Lender fees can sometimes be reduced by shopping around. Title and escrow fees vary by company. Ask for itemized quotes and negotiate each line item.