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Estimate home buying closing costs with itemized breakdown and state averages.
Loan Amount
$320,000
Estimated Closing Costs (2–5%)
$6,400 – $16,000
Total Cash Needed
$86,400 – $96,000
Down payment + estimated closing costs
Closing Cost Calculator estimates home buying closing costs (2–5% of loan amount), shows an itemized breakdown of origination fees, title insurance, appraisal, and prepaid expenses, and compares average closing costs by state.
Estimate your total closing costs when buying a home. See an itemized breakdown of all fees and compare average closing costs by state.
Enter your home price and down payment.
Select your state.
Review total closing costs, loan amount, and cash needed.
Closing cost items are estimated as percentages of loan amount or flat fees based on industry averages. State averages are sourced from published data. Actual costs vary by lender, location, and negotiation. This is an estimate only.
Typically 2–5% of the loan amount, varying by state and lender.
Sometimes, but rolling them in increases your loan balance and total interest paid.