Closing Costs Estimator
Estimate your closing costs for a purchase or refinance — see every line item.
Transaction Details
3.2% of loan amount
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Understanding Closing Costs
What Are Closing Costs?
Closing costs are fees charged by lenders, title companies, attorneys, and government agencies to complete a real estate transaction. They typically range from 2–5% of the loan amount and are paid at closing.
Can Closing Costs Be Negotiated?
Yes. Some costs are fixed (appraisal, recording fees), but others — like origination fees, title fees, and attorney charges — can often be negotiated. In many transactions, the seller can contribute toward the buyer's closing costs (subject to program limits).
Important Caveats
This calculator provides rough estimates based on industry averages. Actual costs vary significantly by state, county, lender, and transaction type. Your official Loan Estimate (provided within 3 business days of application) will contain your exact closing costs.
This calculator provides rough estimates only. Actual closing costs vary by state, county, lender, and transaction details. Your Loan Estimate will contain exact numbers. Airus Lending is a mortgage broker (NMLS #2187418).