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Buyers
Closing Costs Calculator
Closing costs are the fees you pay (besides the down payment) to close on a US home. They typically run 2-5% of the price for buyers and 6-10% for sellers, but vary widely by state.
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How to use this calculator
- Enter the home price and select your state.
- Pick whether you're the buyer or the seller.
- Choose your loan type (Conventional, FHA, or VA) if you're buying.
- We'll estimate total fees and give you an itemized breakdown.
What your results mean
Buyers pay for lender fees, title insurance, appraisal, prepaid taxes, and (for FHA/VA) an upfront funding fee. Sellers pay agent commission (~6%), transfer taxes, and title/escrow fees. Sellers typically pay more in raw dollars, but it comes out of the sale proceeds.
How to lower closing costs
- Ask your lender for a Loan Estimate from 3+ lenders and negotiate origination fees.
- Shop title insurance separately — you don't have to use the lender's recommendation.
- Ask the seller for a closing cost credit, especially in a buyer's market.
- In some states (NY, DE), transfer taxes are the biggest single line item — plan for them.
- VA loans have a funding fee but no PMI and often no down payment.