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Closing Costs Estimator

Estimate the closing costs for a home purchase or sale. Choose your state, enter the sale price, and pick whether you are the buyer or the seller to see a line-by-line breakdown of title insurance, transfer taxes, attorney fees, inspections, and lender costs.

Transaction Details

How It Works

Closing costs are the fees paid at the end of a real estate transaction, on top of the sale price. This tool estimates each cost using typical U.S. averages and adjusts the transfer tax to match the rate charged in your selected state.

  • Buyers typically pay for the lender's title insurance, loan origination and appraisal fees, home inspection, recording fees, and prepaid escrow items.
  • Sellers typically pay the real estate agent commission, the owner's title insurance policy, and (in most states) the bulk of the transfer or documentary tax.

The transfer tax is the most state-dependent line item — some states (such as Texas, Alaska, and Louisiana) charge none, while others levy a percentage of the sale price. Where a state has no transfer tax, that line is shown as $0. All figures are estimates: your actual costs depend on your lender, county, and negotiated terms.

Typical rules of thumb:
  • Buyer closing costs usually run 2%–5% of the sale price.
  • Seller closing costs usually run 6%–10% of the sale price, mostly agent commission.
  • Title insurance is roughly 0.5%–1% of the sale price.

Tips

For Buyers

  • Ask the lender for a Loan Estimate to compare fees
  • Shop around for title insurance — rates can vary
  • Negotiate seller concessions to offset costs

For Sellers

  • Agent commission is the largest cost — it's negotiable
  • Budget for the owner's title policy and transfer tax
  • Pre-listing repairs can reduce buyer inspection demands

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