Closing cost calculator

Add up closing costs the way the Loan Estimate groups them, then estimate cash to close. Every box starts blank and a blank box counts as $0. Copy the amounts from your own Loan Estimate or Closing Disclosure; this site doesn’t supply any fees.

Comparing a Closing Disclosure with the Loan Estimate? See Loan Estimate vs. Closing Disclosure for the tolerance buckets and a checklist.

Add up Loan Estimate sections and estimate cash to close

Loan program (optional)Shows only the fields that apply to the program you pick. Leave it unspecified to see every field.

A. Origination charges

Points optional Dollar amount of points paid to lower the rate.

Other origination charges optional All other section A charges, added together.

B. Services you cannot shop for

Section B total optional Add up the items in section B.

C. Services you can shop for

Section C total optional Add up the items in section C.

E. Taxes and other government fees

Recording fees and other taxes optional Dollar amount.

Transfer taxes optional Only the part you pay.

F. Prepaids

Homeowner’s insurance premium optional Dollar amount.

Mortgage insurance premium optional Dollar amount.

Prepaid interest optional Dollar amount (per-day interest × days).

Property taxes optional Dollar amount.

G. Initial escrow payment at closing

Homeowner’s insurance optional Amount per month × months.

Mortgage insurance optional Amount per month × months.

Property taxes optional Amount per month × months.

H. Other

Section H total optional Other costs listed in section H, if any.

Credits

Lender credits optional Subtracted from total closing costs (section J).

Seller credits optional Subtracted when figuring cash to close.

Adjustments and other credits optional Subtracted when figuring cash to close.

Down payment and deposit

Down payment optional Dollar amount. 0 is allowed.

Earnest money deposit optional Already paid; subtracted from cash to close.

What this calculator does and doesn’t do

Adds your amounts by Loan Estimate section: D = A + B + C, I = E + F + G + H, total closing costs J = D + I − lender credits.Source: 12 CFR 1026.37(f), (g), and (h) (Regulation Z: Loan Estimate closing cost details and cash to close) · checked Nov 10, 2026
Cash to close here = down payment + total closing costs − seller credits − other credits − earnest money deposit. If an upfront fee is added to your loan, leave it out of the boxes above, because it isn’t paid in cash.
Doesn’t supply, predict, or judge any fee, and doesn’t check program eligibility.
Runs entirely in your browser. Nothing you type is sent anywhere or saved.

For what each section means and how much the estimate may change, see Closing costs explained.

Guidelines change; confirm with a licensed lender.