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Closing Costs Estimator — Buyer & Seller Fee Breakdown

Estimate buyer and seller closing costs for a real estate transaction. See itemized fees including origination, title insurance, agent commissions, and more.

✓ Formula verified: January 2026For informational purposes only

Closing Costs

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Total Buyer Closing Costs
$13,374 (3.3% of price)

LOAN / LENDER FEES

$4,780

Loan Origination Fee (1%)

$3,200

Appraisal Fee

$550

Credit Report Fee

$35

Underwriting Fee

$995

TITLE & THIRD-PARTY FEES

$4,150

Title Search

$350

Lender's Title Insurance

$1,600

Owner's Title Insurance

$1,600

Settlement / Escrow Fee

$450

Recording Fee

$150

PREPAIDS & ESCROW SETUP

$4,444

Prepaid Interest (~15 days)

$894

Prepaid Homeowners Insurance

$2,000

Property Tax Escrow (3 mo.)

$1,200

Escrow Setup / Cushion

$350

What if your home purchase price changes? $360000 → $12,325 (3.4% of price) · $400000 → $13,374 (3.3% of price) · $440000 → $14,424 (3.3% of price)

Scenario Comparison

Conservative (5%)
$16,470.09
$6,470.09 interest
Your scenario (7%)
$20,096.61
$10,096.61 interest
Aggressive (10%)
$27,070.41
$17,070.41 interest
High-risk (14%)
$40,224.71
$30,224.71 interest
Best return
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Closing Costs Breakdown

Total Buyer Closing Costs

$13,374

3.3% of price

Loan Origination Fee (1%)$3,200
Appraisal Fee$550
Credit Report Fee$35
Underwriting Fee$995
Title Search$350
Lender's Title Insurance$1,600
Owner's Title Insurance$1,600
Settlement / Escrow Fee$450
Recording Fee$150
Prepaid Interest (~15 days)$894
Prepaid Homeowners Insurance$2,000
Property Tax Escrow (3 mo.)$1,200
Escrow Setup / Cushion$350
Total Cash Needed$13,374

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