Separate the worksheet from the quote
Origination is a lender charge. Appraisal is the valuation fee. Title charges cover the search and the policy. Recording is what the county charges to put the mortgage on record. Prepaids, such as tax and insurance reserves, are easy to mix in with fees.
This site's calculator starts with editable placeholders. It does not look up a state's transfer tax. That would pretend we have a sourced table we do not have.
Cash to close is bigger than the down payment
The down payment comparison adds a closing-cost percent you choose on top of 5%, 10%, 15%, or 20% down. Reserves a lender wants are still extra.
When a loan estimate arrives, replace every line. Keep the worksheet only until then.
| Line | How the worksheet treats it |
|---|---|
| Origination | Percent of the loan |
| Appraisal | Dollar amount |
| Title | Percent of the price |
| Recording and other | Dollar amounts you type |
Calculators
Related guides
Sources
Common questions
Are closing costs the same in every state?
No. Transfer taxes and title customs differ. This site will not invent those differences.
Can the seller pay them?
Sometimes, within the loan program's limits. The calculator does not assume a seller credit unless you lower the amounts yourself.