Cost Breakdown
See 25+ line items organized by category for both buyers and sellers.
How the Cost Breakdown Works
The estimator organizes every closing cost into clear categories: Lender Fees, Title & Escrow, Government & Recording, Inspections, and Prepaids for buyers; Commissions, Fees, Transfer Tax, and Payoff Adjustments for sellers. Each line item starts with an industry-standard default and can be edited to match your actual quotes or estimates.
- Lender Fees: origination (1%), discount points, appraisal ($500), credit report ($50), flood cert ($25)
- Title & Escrow: title search ($300), lender title insurance, owner title insurance, escrow ($500), attorney ($750)
- Government: recording fees ($150) plus state-specific transfer tax auto-calculated
- Prepaids: interest (15 days), property taxes (3 months), insurance (14 months) -- all calculated from your loan terms
Why a Detailed Breakdown Matters
A typical closing cost estimate from a lender is a single number or a short list. This tool breaks it into 25+ individual line items so you can see exactly where every dollar goes. That granularity lets you negotiate specific fees, compare lender quotes line by line, and budget accurately before you reach the closing table.
- Negotiate lender fees by seeing origination and discount points separately
- Compare title company quotes against the estimator defaults
- Identify which costs are fixed (recording fees) vs. negotiable (attorney, escrow)
- Budget accurately for prepaid escrow reserves that lenders require at closing
Sample Output
See what this feature calculates for you.
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