Tool

Closing Cost Calculator

The line items beyond the purchase price.

Pick buyer or seller side. We model title insurance, escrow fees, recording fees, lender charges, prepaids, transfer tax, and agent commission so you can budget the full cost of getting to the closing table.

Purchase Price

$1,337,500

Down Payment

20% ($267,500)

Estimates use Alameda County and Bay Area customs. Actual fees vary by lender, escrow company, and the specifics of your transaction. Always confirm with your loan estimate or seller's net sheet.

Estimated Closing Costs

$31,773

2.38% of price

Lender's title insurance$5,350

Owner's title insurance$4,681

Escrow fee (buyer half)$2,169

Recording fees$225

Lender origination$5,350

Appraisal$750

Credit report$75

Home inspection$600

Homeowner's insurance (12 mo prepaid)$4,681

Property tax (6 mo prepaid)$7,891

Estimated cash to close (closing costs + down payment)

$299,273

A note on these calculators

These tools are for general planning and education. The numbers they produce are estimates, not guaranteed amounts, loan offers, or quotes.

We are licensed real estate agents at REALTY EXPERTS®. We are not licensed mortgage loan originators, tax advisors, financial advisors, or attorneys. The calculators on this site do not provide mortgage, tax, legal, or financial advice.

Your actual mortgage payment, closing costs, property taxes, and what you can afford depend on your specific situation including credit history, income, debt, lender underwriting standards, the property itself, and market conditions at the time of your transaction. Default values shown are illustrative.

For real numbers tied to your transaction, work with a licensed loan officer for financing, a CPA for tax guidance, and an attorney for legal questions. We are glad to refer you to trusted partners we work with regularly.

Equal Housing Opportunity. Information deemed reliable but not guaranteed. Subject to change without notice. CA DRE# 02195792 · 02221667 · 00584793.

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