Closing cost calculator
See what a buyer brings to closing: the down payment, lender and title fees, state taxes, and the prepaid interest, insurance and escrow, with the monthly payment that follows. Each state’s taxes are built in, and it’s free, with nothing to
Compare prices
Same loan and costs, different prices. Useful for weighing
How the estimate works
Cash to close = down payment + loan costs + title and closing + taxes + prepaids and escrow + other
For example, a $400,000 purchase with 20% down on a conventional loan, using national estimates, needs about $86,868 at closing: $80,000 down and $6,868 in closing costs, 1.7% of the price. Choose a state and the calculator adds its
The down payment
The part of the price paid in cash, from 0% with a VA loan to 20% or more on
Loan costs
The lender’s origination and underwriting fees, any points to lower the rate, and the appraisal. FHA’s upfront premium and VA’s funding fee are usually added to
Title and closing
The lender’s title policy, the owner’s policy where local custom has the buyer pay, the settlement fee, an attorney where one
Taxes
The buyer’s share of the state’s transfer tax, taxes some states charge on the mortgage, and the property tax split at closing, often a credit
Prepaids and escrow
A year of homeowner’s insurance, interest to the end of the closing month, and a few months of tax and insurance to start
Other costs
The home inspection, HOA transfer fees and dues, and anything
Credits
Credits from the seller or lender, and the earnest money you’ve already paid, come off
The monthly payment
Principal and interest on the loan at your rate and term, plus mortgage insurance where the loan has it, and a twelfth of the year’s property tax, insurance and HOA dues. FHA’s yearly premium is 0.5% to 0.55% of the loan on most loans, depending on the down payment; a conventional loan under 20% down usually adds private mortgage insurance, estimated here at
Buyer taxes, by state
The buyer’s share of each state’s transfer tax, the taxes some states charge buyers on the mortgage or the deed, and who usually pays for the owner’s title policy. Counties and cities can add their own, so check with the title company
| State | Transfer tax | Buyer’s share | Buyer’s own taxes | Owner’s title usually paid by |
|---|---|---|---|---|
| Alabama | 0.1% of the price | Varies | mortgage recording tax | Varies |
| Alaska | None | — | None | Seller |
| Arizona | A flat $2 | Varies | None | Seller |
| Arkansas | 0.33% of the price | Half | None | Varies |
| California | 0.11% of the price | None | None | Varies |
| Colorado | 0.01% of the price | All | None | Seller |
| Connecticut | 1% to 2.5%, by price | None | None | Buyer |
| Delaware | 4% of the price | Half | None | Buyer |
| District of Columbia | 1.1% to 1.45%, by price | None | deed recordation tax | Buyer |
| Florida | 0.7% of the price | None | documentary stamps on the note; intangible tax on the mortgage | Varies |
| Georgia | 0.1% of the price | None | intangible recording tax | Buyer |
| Hawaii | 0.1% to 1%, by price | None | None | Split |
| Idaho | None | — | None | Seller |
| Illinois | 0.1% of the price, plus the typical 0.05% county tax | None | None | Seller |
| Indiana | None | — | None | Seller |
| Iowa | 0.16% of the price | None | None | Buyer |
| Kansas | None | — | None | Seller |
| Kentucky | 0.1% of the price | None | None | Buyer |
| Louisiana | None | — | None | Buyer |
| Maine | 0.44% to 1.2%, by price | Half | None | Buyer |
| Maryland | 0.5% of the price, plus a typical 1% county transfer tax | Half | recordation tax | Buyer |
| Massachusetts | 0.456% of the price | None | None | Buyer |
| Michigan | 0.86% of the price | None | None | Seller |
| Minnesota | 0.33% of the price | None | mortgage registry tax | Buyer |
| Mississippi | None | — | None | Seller |
| Missouri | None | — | None | Seller |
| Montana | None | — | None | Seller |
| Nebraska | 0.332% of the price | None | None | Varies |
| Nevada | 0.39% of the price | None | None | Varies |
| New Hampshire | 1.5% of the price | Half | None | Buyer |
| New Jersey | 0.58% to 1.21%, by price, plus the graduated percent fee over $1 million | None | None | Buyer |
| New Mexico | None | — | None | Seller |
| New York | 0.4% of the price | None | mortgage recording tax; mansion tax | Buyer |
| North Carolina | 0.2% of the price | None | None | Buyer |
| North Dakota | None | — | None | Varies |
| Ohio | 0.4% of the price | None | None | Varies |
| Oklahoma | 0.15% of the price | None | mortgage tax | Varies |
| Oregon | None | — | None | Seller |
| Pennsylvania | 1% of the price, plus a typical 1% local tax | Half | None | Buyer |
| Rhode Island | 0.75% to 1.5%, by price | None | None | Buyer |
| South Carolina | 0.37% of the price | None | None | Buyer |
| South Dakota | 0.1% of the price | None | None | Seller |
| Tennessee | 0.37% of the price | All | mortgage tax | Varies |
| Texas | None | — | None | Seller |
| Utah | None | — | None | Seller |
| Vermont | 0.5% to 1.47%, by price | All | None | Buyer |
| Virginia | 0.1% of the price | None | recordation tax on the deed; recordation tax on the mortgage | Buyer |
| Washington | 1.1% to 3%, by price, plus a typical 0.5% local tax | None | None | Seller |
| West Virginia | 0.33% of the price | None | None | Buyer |
| Wisconsin | 0.3% of the price | None | None | Seller |
| Wyoming | None | — | None | Seller |
Sources, checked September 30, 2026
- Alabama: revenue.alabama.gov, codes.findlaw.com, alpja.org, revenue.alabama.gov, mobilecopropertytax.com
- Alaska: dnr.alaska.gov, muni.org
- Arizona: azleg.gov, azleg.gov, azleg.gov, azleg.gov
- Arkansas: dfa.arkansas.gov, codes.findlaw.com, codes.findlaw.com, codes.findlaw.com, dfa.arkansas.gov, codes.findlaw.com
- California: codes.findlaw.com, codes.findlaw.com, lavote.gov, finance.lacity.gov, sf.gov, codes.findlaw.com, codes.findlaw.com, finance.lacity.gov, sf.gov, auditor.alamedacountyca.gov
- Colorado: codes.findlaw.com, codes.findlaw.com, dre.colorado.gov, dre.colorado.gov
- Connecticut: cga.ct.gov, cga.ct.gov, cga.ct.gov, cga.ct.gov, cga.ct.gov, cga.ct.gov, cga.ct.gov, cga.ct.gov
- Delaware: delcode.delaware.gov, delcode.delaware.gov, sussexcountyde.gov
- District of Columbia: code.dccouncil.gov, code.dccouncil.gov, otr.cfo.dc.gov, otr.cfo.dc.gov, code.dccouncil.gov, code.dccouncil.gov
- Florida: leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, floridarevenue.com, flrules.org, flrules.org, leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, www2.myfloridalicense.com, rates.fntg.com, leg.state.fl.us, leg.state.fl.us, leg.state.fl.us, floridarevenue.com
- Georgia: dor.georgia.gov, dor.georgia.gov, courtlistener.com, dor.georgia.gov
- Hawaii: files.hawaii.gov, files.hawaii.gov, data.capitol.hawaii.gov, civilbeat.digitaldemocracy.org, realpropertyhonolulu.com
- Idaho: legislature.idaho.gov, legislature.idaho.gov, doi.idaho.gov
- Illinois: ilga.gov, ilga.gov, ilga.gov, chicago.gov, chicago.gov, ilga.gov, ilga.gov, cookcountytreasurer.com, atgf.com, atgf.com, cbsnews.com, news.wttw.com
- Indiana: iga.in.gov, in.gov, in.gov, atgf.com
- Iowa: legis.iowa.gov, legis.iowa.gov, legis.iowa.gov, legis.iowa.gov, revenue.iowa.gov, opportunityiowa.gov, opportunityiowa.gov
- Kansas: ksrevisor.gov, ksrevisor.gov
- Kentucky: apps.legislature.ky.gov, apps.legislature.ky.gov
- Louisiana: legis.la.gov, orleanscivilclerk.com, legis.la.gov, heartland.org
- Maine: mainelegislature.org, maine.gov, mainelegislature.org, mainelegislature.org
- Maryland: mgaleg.maryland.gov, mgaleg.maryland.gov, dls.maryland.gov, montgomerycountymd.gov, mgaleg.maryland.gov, mgaleg.maryland.gov, mgaleg.maryland.gov, mgaleg.maryland.gov, mgaleg.maryland.gov, dls.maryland.gov, assets.montgomerycountymd.gov, mgaleg.maryland.gov, mgaleg.maryland.gov, montgomerycountymd.gov
- Massachusetts: malegislature.gov, malegislature.gov, capecod.gov, capecod.gov, nantucketlandbank.org, malegislature.gov, malegislature.gov, malegislature.gov, mvlandbank.com
- Michigan: legislature.mi.gov, legislature.mi.gov, legislature.mi.gov, legislature.mi.gov, legislature.mi.gov, legislature.mi.gov, vanburencountymi.gov
- Minnesota: revenue.state.mn.us, revisor.mn.gov, house.mn.gov, revisor.mn.gov, revisor.mn.gov, revisor.mn.gov, revenue.state.mn.us, revisor.mn.gov, revisor.mn.gov, revisor.mn.gov, revenue.state.mn.us, superiorlaw.net, rivervalleytitlegroup.com, revisor.mn.gov, revenue.state.mn.us
- Mississippi: madison-co.com, madison-co.com, dor.ms.gov, listwithclever.com, ibuyer.com
- Missouri: revisor.mo.gov, revisor.mo.gov, revisor.mo.gov, revisor.mo.gov, insurance.mo.gov, listwithclever.com, ibuyer.com
- Montana: mca.legmt.gov
- Nebraska: nebraskalegislature.gov, revenue.nebraska.gov
- Nevada: leg.state.nv.us, tax.nv.gov, washoecounty.gov
- New Hampshire: gc.nh.gov, gc.nh.gov
- New Jersey: nj.gov, business.nj.gov, taxnews.ey.com
- New Mexico: bankrate.com
- New York: tax.ny.gov, nyc.gov, tax.ny.gov, tax.ny.gov, nysenate.gov, tax.ny.gov, tax.ny.gov, tax.ny.gov, tax.ny.gov, tax.ny.gov, tax.ny.gov, tax.ny.gov
- North Carolina: ncleg.gov
- North Dakota: bankrate.com
- Ohio: codes.ohio.gov, codes.ohio.gov
- Oklahoma: oklegislature.gov
- Oregon: oregon.public.law, washingtoncountyor.gov, washingtoncountyor.gov
- Pennsylvania: pa.gov, phila.gov, taxnews.ey.com
- Rhode Island: webserver.rilegislature.gov, taxnews.ey.com
- South Carolina: scstatehouse.gov
- South Dakota: sdlegislature.gov
- Tennessee: tn.gov, tn.gov, tn.gov
- Texas: tdi.texas.gov, tdi.texas.gov, trec.texas.gov, bankrate.com, tdi.texas.gov, tdi.texas.gov
- Utah: bankrate.com
- Vermont: legislature.vermont.gov, legislature.vermont.gov, tax.vermont.gov
- Virginia: law.lis.virginia.gov, law.lis.virginia.gov, law.lis.virginia.gov, law.lis.virginia.gov, law.lis.virginia.gov, law.lis.virginia.gov, fairfaxcounty.gov, law.lis.virginia.gov
- Washington: dor.wa.gov, app.leg.wa.gov, app.leg.wa.gov
- West Virginia: code.wvlegislature.gov
- Wisconsin: docs.legis.wisconsin.gov
- Wyoming: bankrate.com
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Questions about closing costs
What are closing costs for a buyer?
The fees and taxes paid to complete a purchase beyond the down payment: the lender’s fees and appraisal, title insurance and the settlement fee, recording fees and any state taxes the buyer pays, plus prepaid interest, insurance and the first
What does cash to close mean?
The total you bring to closing: the down payment plus closing costs, less any credits from the seller or lender and the earnest money you’ve already paid. Your lender’s Closing Disclosure shows
How much are closing costs?
It depends on the state, the loan and the price. A state with a buyer-paid transfer or mortgage tax costs more than one without, and an FHA or VA loan adds its own fee. Put in the home you’re looking at and this calculator shows the estimate,
Does the buyer pay transfer tax?
In some states. Tennessee, Colorado and Vermont put it on the buyer by law or custom, several states split it, and in most the seller pays. Some states also tax the mortgage itself, like Florida’s stamps on the note and New York’s mortgage recording tax, which
What are prepaids and escrow?
Costs paid ahead at closing: the first year of homeowner’s insurance, interest from the closing date to the end of that month, and a few months of property tax and insurance to start the escrow account your lender pays
What do FHA and VA loans add?
FHA charges an upfront mortgage insurance premium of 1.75% of the loan, plus a yearly premium in the monthly payment. VA charges a funding fee of 1.25% to 3.3% depending on the down payment and whether it’s a first VA loan, and some veterans are exempt. Both are usually added to the loan rather than
Can the seller pay my closing costs?
Often, as a credit agreed in the contract. Each loan program limits how much the seller can contribute, so ask your lender for your limit, then enter
Is anything I type saved?
No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with
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Further reading
All posts
What buyers pay at closing in every state: lender and loan fees, title, buyer-only taxes like Florida's note stamps and New York's mortgage
Every line on a seller net sheet explained: commissions, payoffs, title, transfer taxes and prorations, with a worked example and every
Every state's transfer tax, checked: 36 places charge one, 15 don't, and on a $400,000 sale it runs from $40 to $16,000. Who pays
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