BUYER CLOSING COSTS CALCULATOR
What Will You Need at Closing?
Free estimate tool — try it now, no signup required
Estimate your total closing costs and cash needed to close. Know exactly what to budget for beyond your down payment.
Lender Fees
Title & Escrow
Prepaid Items
Closing costs typically range from 2-5% of the purchase price. This gives you a realistic estimate.
What's typically included?
- Lender fees: Origination, appraisal, credit report
- Title & escrow: Title insurance, escrow fees, recording
- Prepaids: Property taxes, homeowner's insurance, interest
- Other: HOA transfer, home warranty, inspections
Frequently asked questions
How much are closing costs as a buyer in California?
Buyer closing costs in California typically run 2–3% of the purchase price, covering loan fees, title, escrow, prorated taxes, and inspections.
What costs does the calculator include?
Loan origination, appraisal, credit report, title insurance (lender + owner), escrow fees, recording fees, prorated property taxes, homeowners insurance, and standard inspections.
Can I negotiate any of these costs?
Yes — lender fees and title/escrow fees are often negotiable, and in some markets the seller will agree to credit a portion of buyer closing costs in their counter.
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