🏡 Closing Cost Estimator

Estimate your home buying or selling closing costs with a full itemized breakdown by state.

Purchase / Sale Price ($)

Loan Amount ($)

Interest Rate (% — for prepaid interest)

State

Buyer Closing Cost Breakdown

Estimated Total

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What Are Closing Costs?

Closing costs are fees paid at the settlement of a real estate transaction, on top of the property price. Buyers typically pay 2–5% of the loan amount; sellers typically pay 6–10% of the sale price (mostly agent commissions).

Transfer taxes vary significantly by state — Delaware (3%), New Hampshire (1.5%), and Pennsylvania (1%) have some of the highest rates, while many states charge nothing.

These are estimates. Actual costs vary by lender, title company, and local municipality. Always request a Loan Estimate (LE) from your lender within 3 business days of application.