Free tool
Closing costs
What you need on closing day, line by line as the Loan Estimate lays it out: charges, services, your state's transfer taxes, prepaids, escrow and upfront mortgage insurance, minus credits and assistance.
Free, no sign-up. What you type stays on your phone.
This week's average 30-year rate: 7.18% (Freddie Mac, November 5, 2026).
- Connected to 3,222 counties and 33,486 ZIP codes
- Rules verified as of October 1, 2026.
- Public data from Freddie Mac, the Census Bureau, and FHFA
Move the numbers and the result changes right away. We start with the typical numbers for the United States; change any of them to yours.
Calculating with the numbers for:
Your numbers
The home and the loan
We start with the typical home value in the United States. Enter the price you are looking at.
That is $11,645. The minimum for this loan is 3.5%.
Adjust advanced details
Taxes, insurance and escrow
Closing charges
Origination, services, recording, inspection and others. They start as examples; enter your Loan Estimate's figures.
Credits and assistance
All of this comes off the cash you bring to closing.
Let's do the math
Cash to close
$21,726
Closing costs: $10,081. For reference, a Freddie Mac guide speaks of $6,654 to $16,635 at this price.
- Down payment
- $11,645
- A. Lender chargesExample; enter your Loan Estimate's figure.
- $2,408
- B and C. Services and titleExample; enter your Loan Estimate's figure.
- $3,327
- E. Taxes and recording
- $0
- F. Prepaids
- $2,627
- Interest for 15 days
- $964
- Homeowners insurance, first year
- $1,664
- G. Initial escrow deposit
- $1,719
- Taxes, 5 months
- $1,303
- Insurance, 3 months
- $416
- FHA upfront mortgage insurance premiumFinanced in the loan ($5,618); not paid at closing.
- $0
- Closing costs
- $10,081
- Cash to close
- $21,726
Transfer and recordation taxes
Choose your state to see its taxes with the official source.
An educational estimate, not a loan offer. Charges marked as examples are not official figures; homeowners insurance is an example (0.5% of the value a year). The Loan Estimate has the real figures.
Rate of 7.18% (Freddie Mac national average as of November 5, 2026). Home insurance is an example; get quotes. This is an educational estimate, not a loan offer.
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How is it calculated?
The same formulas lenders use, with the rules each program publishes. Nothing is hidden.
The formula
Cash to close = down payment + lender and third-party charges + prepaids (interest, insurance) + escrow deposit + transfer taxes − credits − earnest money.
Example with the numbers for the United States
- Home price
- $332,700
- Down payment
- $11,645
- FHA upfront premium
- $5,618
- Lender and third-party charges (example)
- $5,735
- Cash to close (estimate)
- $21,626
Computed from the page's data when it was built; in the tool you replace every number with your own.
What moves the result?
Six things that change the number more than anything else.
-
The price
Every dollar of price is a dollar more of loan. It is the first thing that moves the payment.
-
Fees and charges
Applications, services, HOA. Always ask for the breakdown in writing.
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Tax and insurance
They sit inside the payment. The tax depends on the county; the insurance, on the home and the area.
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Your state's law
Deadlines, caps and taxes change from state to state. Every rule carries its citation.
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The program
Each program publishes its own rules. What the source says is what we show.
-
Closing costs
Charges, prepaids and escrow. The example uses 3% of the price until your estimate arrives.
The official numbers behind the tool
Official data the tool uses, so you can compare.
Homes and incomes in the most populous counties of the United States
| Place | Typical value | Typical household income | Value ÷ income |
|---|---|---|---|
| Los Angeles County (CA) | $834,200 | $90,112 | 9.3× |
| Cook County (IL) | $324,500 | $83,498 | 3.9× |
| Harris County (TX) | $276,600 | $74,983 | 3.7× |
| Maricopa County (AZ) | $452,800 | $89,300 | 5.1× |
| San Diego County (CA) | $854,700 | $106,268 | 8.0× |
| Orange County (CA) | $962,600 | $116,289 | 8.3× |
| Miami-Dade County (FL) | $463,000 | $71,753 | 6.5× |
| Kings County (NY) | $905,000 | $80,263 | 11.3× |
- Los Angeles County (CA) $834,200$90,112
- Cook County (IL) $324,500$83,498
- Harris County (TX) $276,600$74,983
- Maricopa County (AZ) $452,800$89,300
- San Diego County (CA) $854,700$106,268
- Orange County (CA) $962,600$116,289
- Miami-Dade County (FL) $463,000$71,753
- Kings County (NY) $905,000$80,263
Source: American Community Survey (Average 2020–2024)
The average rate, week by week
| Week | 30-year | 15-year |
|---|---|---|
| September 17, 2026 | 6.95% | 6.26% |
| September 24, 2026 | 7.03% | 6.42% |
| October 1, 2026 | 7.28% | 6.60% |
| October 8, 2026 | 7.40% | 6.73% |
| October 15, 2026 | 7.40% | 6.71% |
| October 22, 2026 | 7.32% | 6.68% |
| October 29, 2026 | 7.24% | 6.60% |
| November 5, 2026 | 7.18% | 6.57% |
- September 17, 2026 6.95%6.26%
- September 24, 2026 7.03%6.42%
- October 1, 2026 7.28%6.60%
- October 8, 2026 7.40%6.73%
- October 15, 2026 7.40%6.71%
- October 22, 2026 7.32%6.68%
- October 29, 2026 7.24%6.60%
- November 5, 2026 7.18%6.57%
Source: Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026)
— means the source publishes no value.
Want your county's numbers?
Type your county or ZIP code: the tool loads its numbers and keeps them in your browser for the other tools.
Frequently asked questions
How much are closing costs usually?
A Freddie Mac guide speaks of between 2% and 5% of the home price, not counting the down payment. It varies a lot by state (transfer taxes), by lender and by title insurance. Your Loan Estimate has the real figure within days of applying.
Who pays the transfer taxes?
It depends on each state's law and on the contract. We show whom the law makes liable in states with curated rules; when it says "all parties" or does not say, we count it to be safe, and you remove it if the seller takes it on.
Can I pay less at closing?
Ask for seller credits in your offer, compare lenders (origination charges and lender credits change), choose the title company yourself when allowed and check your state's assistance programs: several cover closing costs.
Does this replace the Loan Estimate?
No. It is an educational estimate for planning your cash. The Loan Estimate and the Closing Disclosure are the documents with the real figures; compare them and ask about any change.
Methodology and sources (Freddie Mac, the Census Bureau, and FHFA)
- The lines follow the Loan Estimate: lender charges, third-party services and title, taxes and recording, prepaids, the initial escrow deposit and other items. Every figure is editable; examples are marked as such.
- Transfer and recordation taxes: in states with curated rules we compute each tax as the law writes it (base, rate and rounding) and say whom it makes liable. The buyer's, the shared ones and those the source does not settle are counted; the seller's and the lender's only if you tick them.
- Prepaids: interest from closing to the end of the month (loan times rate over 365 days, for the days you choose; example: 15) and the first year of homeowners insurance (example: 0.5% of the value a year).
- Initial escrow deposit: the months of taxes and insurance the lender holds at closing. The federal rule allows a cushion of up to 2 months; as an example we add 3 months of taxes and 1 of insurance until the next bill.
- Upfront mortgage insurance: 1.75% of the loan with FHA, the VA funding fee (2.15% on first use with no down payment) or 1% with USDA. If you finance it, it joins the loan instead of closing. Cash to close = down payment + closing costs − seller and lender credits − assistance − deposit already paid.
Data
- Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026)
- American Community Survey (Average 2020–2024)
- Conforming loan limits (2026 data)
Program rules
- Freddie Mac My Home: What Are Closing Costs and How Much Will I Pay? · In effect since February 26, 2026
- 12 CFR §1024.17(c)(1)(ii) — Escrow accounts: limits on payments (cushion) · In effect since December 30, 2011
- HUD Mortgagee Letter 2023-05: Reduction of FHA Annual MIP Rates · In effect since March 20, 2023
- VA: VA funding fee and loan closing costs — purchase and construction loans · In effect since April 7, 2023
- USDA Rural Development: Fiscal Year 2027 Conditional Commitment Notice (SFH Guaranteed) · In effect since October 1, 2026
What comes next?
Go on to the tool that answers your next question, or read a guide at your own pace.
Want someone to go over it with you? A HUD-approved counselor does it for free or at low cost. Find a counselor
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Guides to read next
- Down payment assistance: how it works What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
- Closing Disclosure explained: what to check before signing What the Closing Disclosure is, when it must reach you, what to check on each of its five pages and which closing costs are not allowed to go up.
- How much do you need for a down payment? 20% is not required: what each loan asks for (FHA, conventional, VA, USDA), what changes with less than 20% down, and where the money can come from.
- How to buy a home in the United States, step by step The nine steps to buying a home: paperwork, credit, budget, assistance, preapproval, offer, inspection, closing and the first year, with official sources.