Closing Cost Calculator
Estimate your closing costs before you get to the closing table.
Closing Cost Calculator
CFPB Loan Estimate Format · All 50 States · Purchase · Refinance · Cash-Out
Loan Details
Select any applicable endorsements for this loan:
Your Estimate Will Appear Here
Fill in your loan details and click Calculate Closing Costs to see a full CFPB Loan Estimate–format breakdown.
Important Regulatory Disclosures & Disclaimers
Estimate Accuracy
Good-faith estimates only — not a formal Loan Estimate, commitment to lend, or pre-approval. Official CFPB Loan Estimate issued within 3 business days of complete application.
Title Insurance Rates
Estimates based on standard ALTA rates. Texas and Florida rates are state-promulgated. Reissue discount eligibility subject to underwriter verification of prior policy.
Transfer Taxes & Recording
Transfer/deed taxes are estimated for purchase transactions only. Some states (e.g. NY, FL) impose separate mortgage recording taxes on refinances at different rates — not shown here. Recording fees vary by county. Consult a local title company for exact amounts.
Prepaids & Escrow
Prepaid interest calculated from actual closing date entered. Escrow amounts include standard RESPA cushion.
Government Loan Programs
FHA/VA/USDA estimates use current published rates, subject to change. VA funding fee waiver for disabled veterans not reflected.
Not Legal or Financial Advice
For informational purposes only. Consult a licensed mortgage professional, real estate attorney, and/or tax advisor before making financial decisions.
What Are Closing Costs?
Closing costs are fees and expenses you pay when finalizing your mortgage, beyond the down payment. They typically include:
In Texas, closing costs average 1.5-3% of the purchase price. Some costs may be negotiable or paid by the seller.
What are your goals? Everyone is unique — request your personalized rates and fees.
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