Closing Cost Calculator — Itemized Estimate (2026)
Break down mortgage closing costs by category — origination, title, taxes, prepaids, inspection — and see total cash needed at closing, not just a flat percentage.
Itemized closing costs
Loan origination$3,200
Appraisal, credit report & underwriting$600
Title insurance & search$2,000
Recording & transfer taxes$2,000
Prepaid property tax & insurance escrow$6,000
Home inspection$450
Total closing costs$14,250
That's 3.6% of the home price — the CFPB puts typical closing costs at 2-5% of the purchase price (median around $6,000 as of their most recent data).
Cash needed at closing
Down payment$80,000
Closing costs$14,250
Total cash to close$94,250
Estimate only. Doesn't include optional discount points, HOA transfer fees, or seller-paid credits, all of which can shift the total. Not financial or legal advice.