Closing Cost Calculator 2026

Estimate buyer closing costs. Based on 2026 industry averages.

What Are Closing Costs?

Closing costs are the fees and expenses you pay when you finalize a real estate transaction, beyond the down payment. They typically range from 2% to 5% of the home price for buyers and 6% to 10% for sellers (including agent commissions).

Buyer Closing Costs Include:

• Loan origination fee — 0.5% to 1.5% of loan amount
• Appraisal fee — $300 to $600
• Title insurance — 0.5% to 1% of home price
• Escrow/impound account — Prepaid property taxes and insurance
• Recording fees — $25 to $250
• Transfer taxes — Vary by state (0% to 2.5%)
• Home inspection — $300 to $500
• Attorney fees — $500 to $1,500 (required in some states)

Seller Closing Costs Include:

• Real estate agent commission — 5% to 6% (split between agents)
• Title insurance (owner's policy) — 0.5% to 1%
• Transfer taxes — Often paid by seller
• Escrow/closing fee — $300 to $800
• Outstanding liens or judgments — Paid at closing
• Home warranty — $300 to $600 (optional, often offered by seller)

This calculator provides estimates based on 2026 industry averages. Actual closing costs vary by lender, location, and transaction details. Your lender is required to provide a Loan Estimate within 3 business days of application. Consult a real estate attorney or closing agent for exact figures.