Closing Cost Calculator
Add up the lines you can actually edit. Picking a state names the worksheet. It does not quietly apply that state's transfer tax.
Written for Equidwell and last checked in October 2026. We build the calculators on this site. We are not a lender, and this page is not advice for your loan.
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 follow the lender, the title company, the county, and the house. One national percent would look tidy and be wrong.
Use the lines as a worksheet. When a loan estimate shows up, replace every placeholder with the number 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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