What-If Scenario Comparison
Change purchase price or commission rate and instantly see how every cost line shifts — with savings highlighted in green and increases in red.
Try It: Compare Two Scenarios
The "Saved" column is locked at $385K / 6%. Adjust the what-if sliders to see the difference.
| Cost Item | Saved | What-If | Difference |
|---|---|---|---|
| Total Costs |
How Scenario Comparison Works
The what-if tool starts with your saved closing cost estimate and lets you change key variables -- purchase price, loan amount, interest rate, or commission rate -- to create a comparison scenario. Both estimates display side by side so you can see exactly which line items change and by how much. The difference column highlights savings in green and increases in red.
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Change purchase price to see how lender fees, title insurance, and transfer tax scale
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Adjust commission rate to compare 5% vs 6% agent costs on seller side
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Modify loan amount to see the effect on origination fees and prepaid interest
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Change interest rate to see how prepaid interest per day shifts
Using What-If to Negotiate Better Terms
The comparison tool turns abstract negotiations into concrete dollar amounts. If a seller counters at $375,000 instead of $385,000, you can instantly see the total impact: not just the $10,000 price reduction but also lower origination fees, lower title insurance, and lower transfer taxes. Similarly, negotiating commission from 6% to 5% shows the exact seller savings.
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$10,000 price reduction saves more than $10,000 when fees scale with price
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Dropping commission 1% on a $385,000 sale saves $3,850 in seller costs
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Lower loan amount reduces origination, title insurance, and prepaid interest
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Side-by-side view makes it easy to share scenarios with your agent or lender
Explore More Features
See everything Closing Cost Estimator has to offer.
Cost Breakdown
See 25+ line items organized by category for both buyers and sellers.
Learn more →State-Specific Estimates
Auto-apply transfer tax rates for all 50 states plus DC with full override support.
Learn more →Net Proceeds Calculator
See exactly what the seller walks away with after commissions, costs, and mortgage payoff.
Learn more →Cash to Close Calculator
See the total cash needed at closing: down payment + buyer costs - earnest money.
Learn more →Closing Fees vs Prepaids
Separate true closing friction from prepaid escrow deposits to see where your cash goes.
Learn more →Buyer & Seller Summary
See both sides of the transaction on one screen with every line item, category totals, and a combined grand total.
Learn more →AI-Powered Prompts
Four ready-to-use prompts pre-filled with your closing cost data for AI-powered analysis.
Learn more →Email Templates
Three pre-written emails for your agent, lender, and title company -- pre-filled with your numbers.
Learn more →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.
Learn more →Compare Any Scenario Instantly
Change price, loan amount, or commission rate and see every cost line shift side by side.
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