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Utilnivo

Mortgage Closing Costs Calculator

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Add fees and prepaids, subtract credits, and estimate cash to close.

  • 100% Free
  • No signup
  • Private & secure
  • Instant results
  • On your device

Private on your device

Your information stays on your device and is not uploaded.

Related tools

Itemize loan fees, title costs, escrow deposits, and prepaid interest, taxes, and insurance. Subtract seller and lender credits to estimate cash needed at closing.

How to use this tool

1. Enter purchase price. 2. Adjust fee percentages or line items shown. 3. Add prepaid items if known. 4. Calculate. 5. Compare with your Loan Estimate.

Worked example

Example 1: $400,000 purchase with ~2–5% closing costs → roughly $8k–$20k ballpark before credits. Example 2: refinance with lower third-party fees but prepaid interest—model separately from purchase.

When to use this

  • Ballparking cash to close.
  • Comparing purchase vs refinance fee shapes.
  • Stress-testing seller credit scenarios.
  • Preparing questions for a loan officer.
  • Cross-checking a Loan Estimate.

Common examples

  • $400,000 purchase with 2–5% closing costs ballpark.
  • Refinance with lower third-party fees but prepaid interest.
  • Seller credits reducing cash to close.
  • Title and escrow line items vs percentage estimate.
  • Compare estimate to Loan Estimate totals.

Common mistakes

  • Treating percentage rules as exact quotes.
  • Forgetting prepaid taxes/insurance.
  • Mixing refinance and purchase fee sets.
  • Ignoring lender credits.
  • Skipping the official Closing Disclosure.

How it works

Estimates closing-cost ranges from home price and common percentage assumptions (lender fees, title, prepaid taxes/insurance). Actual LE/CD figures from your lender are authoritative.

Limitations

Estimates only for educational purposes. Not financial, tax, or legal advice. Verify figures with your lender, advisor, or official IRS/SSA sources before making decisions.

Privacy and file handling

Your data stays on your device and is not uploaded.

Formula or method

Sum of percentage-based and fixed fee inputs. Not a substitute for a Loan Estimate or Closing Disclosure.

FAQ

Frequently asked questions

What is cash to close?

It is the estimated amount you need at closing after fees and prepaids, net of credits.

Are all fees included?

Enter the lines from your Loan Estimate or Closing Disclosure. The tool does not invent fee amounts.

What percent should I budget for closing costs?

Purchase costs often land roughly in a low-single-digit percentage of price, but markets and lender fees vary widely—confirm with a Loan Estimate.

Are prepaid taxes part of closing costs?

They often appear on closing disclosures even though they are prepayments, not lender fees. Include them when estimating cash to close.

Is this official?

No. It is an educational estimate. Your Loan Estimate and Closing Disclosure control.

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