Analyze deed charges, recording fees, and prorations easily. Model lender items, reserves, and transfer taxes. Build accurate closing estimates for complex property deals confidently.
| Input Item | Example Value |
|---|---|
| Purchase Price | $425,000.00 |
| Loan Amount | $340,000.00 |
| Title Insurance Rate | 0.35% |
| Transfer Tax Rate | 1.20% |
| Buyer Transfer Tax Share | 50% |
| Recording Fee | $180.00 |
| Lender Fee | $1,250.00 |
| Attorney Fee | $950.00 |
| Escrow Fee | $850.00 |
| Seller Credit | $2,500.00 |
Title Insurance = Purchase Price × Title Insurance Rate
Total Transfer Tax = Purchase Price × Transfer Tax Rate
Buyer Transfer Tax Share = Total Transfer Tax × Buyer Split Percentage
Seller Transfer Tax Share = Total Transfer Tax − Buyer Transfer Tax Share
Buyer Closing Costs = Title Insurance + Buyer Transfer Tax + Recording Fee + Lender Fee + Appraisal Fee + Attorney Fee + Escrow Fee + Inspection Fee + Survey Fee + HOA Proration + Prepaid Tax + Prepaid Insurance + Miscellaneous Fee
Down Payment = Purchase Price − Loan Amount
Cash to Close = Down Payment + Buyer Closing Costs − Seller Credit − Earnest Money
Seller Closing Costs = Seller Transfer Tax + Attorney Fee + Escrow Fee + Total Commission + Mortgage Payoff
Seller Net Proceeds = Purchase Price − Seller Closing Costs − Seller Credit
1. Enter the agreed purchase price and the expected loan amount.
2. Add local title insurance and transfer tax percentages.
3. Fill in lender, escrow, attorney, recording, and inspection fees.
4. Include prepaid items, prorations, seller credits, and earnest money.
5. Add commission percentages and mortgage payoff for seller estimates.
6. Click the calculate button to display results above the form.
7. Review buyer costs, seller costs, cash to close, and proceeds.
8. Export the results as CSV or save the page as PDF.
It estimates total closing costs tied to a property transaction. These can include taxes, title insurance, recording fees, escrow charges, lender items, seller credits, and commission-related deductions.
Yes. It shows buyer closing costs, seller closing costs, cash to close, and estimated seller proceeds. That helps both sides compare responsibilities before signing final documents.
Transfer tax responsibility changes by state, county, and contract terms. Splitting it separately helps model negotiations where buyers and sellers share the cost differently.
No. It is a planning tool, not a legal disclosure. Final numbers should always be confirmed with your lender, attorney, title company, escrow officer, or settlement agent.
Cash to close is the amount the buyer may need at settlement. It usually includes down payment and closing costs, reduced by earnest money and seller credits.
These items often appear in real closings. Lenders may collect upfront property tax and homeowners insurance amounts to fund reserves or initial escrow balances.
Yes, with small adjustments. Enter the refinance-related fees, payoff amount, and applicable taxes or recording charges. Remove purchase-specific items when they do not apply.
The calculator is accurate for scenario planning when inputs are realistic. Final settlement figures depend on local law, lender rules, negotiated credits, and service provider invoices.
Important Note: All the Calculators listed in this site are for educational purpose only and we do not guarentee the accuracy of results. Please do consult with other sources as well.