Closing Cost Estimator for Buyers & Sellers
Toggle buyer or seller, adjust each line to your local quotes, and see the total in dollars and as a percentage of price.
0% of the purchase price
Estimates for planning only — not a loan offer, appraisal or tax advice. Results depend on the numbers you enter.
Seller vs. buyer closing costs
| Seller usually covers | Buyer usually covers |
|---|---|
| Mortgage payoff and lien releases | Lender origination fees and points |
| Commissions (if any) | Appraisal and credit report |
| Transfer taxes (varies by state) | Lender’s title insurance policy |
| Owner’s title policy (in many areas) | Prepaid interest, taxes and insurance |
| Prorated taxes and HOA through closing | Inspection, survey (varies) |
Escrow/settlement, attorney and recording fees are commonly split or follow local custom.
Lower your costs
- Get two or three quotes for title/escrow or attorney services; base title premiums may be regulated, but settlement fees often aren’t.
- Negotiate credits instead of price cuts when it helps both sides’ cash position.
- Sell by owner to remove the listing-side commission — see the commission savings calculator.
For a deeper explanation, read seller closing costs explained and how closing works in a by-owner sale. Need a title company or attorney? Find a pro.
FAQ
Who pays closing costs — buyer or seller?
Both pay their own, and many items are negotiable. Who pays for the owner's title policy and transfer taxes follows local custom and your contract. A seller can also give the buyer a credit toward their costs.
Why do the defaults differ from my quote?
Defaults are planning placeholders, not local rates. Title premiums and transfer taxes vary by state and county. Replace each line with real quotes from a title company, attorney or lender.
What's the Closing Disclosure?
For most mortgage loans, the lender must give the buyer a Closing Disclosure at least three business days before closing, itemizing final loan terms and costs. Compare it with your Loan Estimate.
Keep crunching the numbers
Commission Savings Calculator
See exactly how much you keep by selling by owner vs. a traditional listing.
Seller Net Proceeds Calculator
Estimate the cash you walk away with after payoff, closing costs and concessions.
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Rent vs. Buy Calculator
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Sell-By-Owner Readiness Quiz
8 questions that tell you whether FSBO, flat-fee MLS or an agent fits you best.