Closing Cost Calculator
Estimate your closing costs as a buyer or a seller, and see what's typically included. Closing costs vary by state, lender, and contract — this gives you a realistic ballpark.
Closing costs vary by state, lender, and loan program. An illustration, not pricing or lending advice — your lender's Loan Estimate is the authority.
- Lender / loan origination fees
- Appraisal and credit report
- Home inspection
- Lender's title insurance
- Prepaid taxes & insurance (escrow)
- Recording fees
Common questions
How much are closing costs?
Buyers typically pay about 2–5% of the purchase price in closing costs; sellers typically pay about 1–3% (separate from the listing cost). The exact amount depends on your state, lender, and contract.
Who pays closing costs, the buyer or the seller?
Both pay different costs. Buyers cover lender, title, appraisal, inspection, and prepaid items; sellers cover owner's title, transfer taxes, and settlement fees. Some costs are negotiable in the contract.
Do I pay a commission on ListMyHomes?
No. ListMyHomes is a flat-fee listing service — you pay a flat fee to list instead of a percentage commission. This calculator's seller estimate excludes the listing cost; see the net proceeds calculator for your take-home.
Educational estimates only — closing costs vary by state, lender, and contract, and this is not financial or pricing advice. Your lender's Loan Estimate and your title or closing company are the authoritative sources. ListMyHomes.com is a licensed brokerage that acts only as a neutral facilitator.