How much are closing costs?

Closing costs typically range from 2% to 5% of the purchase price. On a $400,000 home that is roughly $8,000 to $20,000, paid in addition to your down payment.

Can I roll closing costs into my mortgage?

Sometimes. Certain refinances and loan programs let you finance part of the closing costs, and you can often negotiate seller concessions on a purchase. This raises your loan balance, so weigh the trade-off.

Which closing costs can I shop for?

You can often shop for title insurance, settlement services and some lender fees. Appraisals and government recording or transfer taxes are generally fixed.

Closing Costs Calculator

Estimate the one-time fees due at closing — origination, title, appraisal, escrow and more.

Home price

Down payment

Loan amount $320,000

Estimated closing costs

Total closing costs$8,400

Loan origination (0.5% of loan)$1,600

Appraisal$600

Title insurance (0.5% of price)$2,000

Recording & transfer (0.4% of price)$1,600

Prepaid escrow$1,200

Underwriting$1,100

Credit & misc.$300

About 2.1% of the purchase price.

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About this calculator

Closing costs are the one-time fees you pay to finalize a home purchase, and they typically run 2% to 5% of the price. This closing costs calculator itemizes the most common charges — loan origination, appraisal, title insurance, recording and transfer taxes, prepaid escrow, underwriting and credit fees — so you know how much cash to bring on top of your down payment.

Some fees scale with your loan or home price, like origination (a percentage of the loan) and title insurance (a percentage of the price), while others are flat, like the appraisal and underwriting fees. Seeing the breakdown helps you spot which costs you might shop for or negotiate, and which are largely fixed.

Plan for closing costs early so they do not derail your budget. You may be able to negotiate seller concessions or roll some costs into the loan. Once you have your estimate, get a personalized quote and a detailed loan estimate from our lending partners.

Frequently asked questions

How much are closing costs?: Closing costs typically range from 2% to 5% of the purchase price. On a $400,000 home that is roughly $8,000 to $20,000, paid in addition to your down payment.
Can I roll closing costs into my mortgage?: Sometimes. Certain refinances and loan programs let you finance part of the closing costs, and you can often negotiate seller concessions on a purchase. This raises your loan balance, so weigh the trade-off.
Which closing costs can I shop for?: You can often shop for title insurance, settlement services and some lender fees. Appraisals and government recording or transfer taxes are generally fixed.

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