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Cost Breakdown

See 25+ closing cost line items organized by category — with each one labeled as negotiable or fixed so you know where to push back.

Try It: See How Costs Scale With Price

Drag the slider to change the purchase price. Line items that scale with price update in real time.

$385,000
25% down · 6.5% rate · 30-year term · Colorado
$100K$1M
Lender Fees
$4,075
Loan Origination (1%)
Negotiable $3,500
Appraisal Fee
Fixed $500
Credit Report
Fixed $50
Flood Certification
Fixed $25
Title & Escrow
$4,475
Title Search
Fixed $300
Lender Title Insurance
Negotiable $1,348
Owner Title Insurance
Negotiable $1,925
Escrow Fee
Negotiable $500
Attorney Fee
Negotiable $750
Government & Recording
$189
Recording Fees
Fixed $150
Transfer Tax (CO)
Fixed $39
Inspections
$611
Home Inspection
Negotiable $450
Pest Inspection
Fixed $100
Survey
Fixed $61
Prepaids
$3,890
Prepaid Interest (15 days)
Fixed $863
Property Tax Reserve (3 mo)
Fixed $1,252
Insurance Reserve (14 mo)
Fixed $1,775
Total Buyer Closing Costs
$13,240 3.44% of price

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

Explore More Features

See everything Closing Cost Estimator has to offer.

State-Specific Estimates

Auto-apply transfer tax rates for all 50 states plus DC with full override support.

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Net Proceeds Calculator

See exactly what the seller walks away with after commissions, costs, and mortgage payoff.

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Cash to Close Calculator

See the total cash needed at closing: down payment + buyer costs - earnest money.

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What-If Scenario Comparison

Compare saved estimates against what-if scenarios to see how changes affect costs.

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Closing Fees vs Prepaids

Separate true closing friction from prepaid escrow deposits to see where your cash goes.

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Buyer & Seller Summary

See both sides of the transaction on one screen with every line item, category totals, and a combined grand total.

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AI-Powered Prompts

Four ready-to-use prompts pre-filled with your closing cost data for AI-powered analysis.

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Email Templates

Three pre-written emails for your agent, lender, and title company -- pre-filled with your numbers.

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AI Contract Review Pipeline

Analyze closing disclosures, loan estimates, and settlement statements with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.

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See Every Dollar Before You Close

25+ line items, organized by category, with negotiable and fixed labels. No surprises at the closing table.

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