Closing Cost Calculator
This is not a guaranteed quote and it does not apply a hidden state-tax table.
Published by the Mortgage Guide editorial team. Rate assumptions and content updated October 2026. This page is educational. It is not a loan offer, approval, or personalized financial advice.
How this calculator works
- Origination is a percent of the loan amount.
- Title-related costs are a percent of the home price.
- Appraisal, recording, and other costs are dollar amounts you set.
- The state menu names the estimate. It does not change the math.
National ranges are not a quote
Closing costs vary with the lender, the title company, transfer taxes, and the property. A single percent of the price would hide that.
Use the line items as a worksheet. When you have a loan estimate, replace every placeholder with the figure on that form.
Sources
Common questions
Why doesn't the state change the total?
This site does not ship a sourced, dated closing-cost table for every state. Inventing one would look precise and be wrong. The state is a label until sourced figures exist.
Are prepaid taxes and insurance included?
Only if you type them into Other. The default lines are origination, appraisal, title, and recording.
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