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
Statewide rates shown; local surcharges and exemptions may apply. Recording fees vary by county.
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.