Closing cost calculator for buyers and sellers

See what the buyer and the seller each pay to close. Taxes and title premiums set by law are calculated for you; market fees are editable estimates.

Free, no sign-up Rates checked October 2026

State

Purchase price

Loan amount

Enter 0 if you are paying cash.

Who pays the owner's title policy?Set in your purchase contract; custom varies by area.

Total commission paid by the seller

Negotiable. Include the buyer's agent only if the seller agreed to pay it.

The property is in Miami-Dade County It is a single-family home (no Miami-Dade surtax)

Market fees (estimates — edit with your quotes)

Lender fees (origination, underwriting, credit report)

Appraisal

Buyer's settlement / escrow fee

Title search and other title services

Lender's title policy endorsements

Owner's title policy (ask for a quote)

Arizona insurers file their own rates; this is only a placeholder.

Lender's title policy (ask for a quote)

Recording fees

Florida: $10 for the first page and $8.50 per extra page of each document. Texas: set by the county clerk.

Inspection, survey and pest inspection

Prepaid interest, insurance and escrow deposits

Seller's settlement fee and other costs (HOA estoppel, payoff, attorney)

Seller credit to the buyer (concessions)

How it's calculated

Closing costs are everything besides the down payment that it takes to transfer the home and fund the loan. We split them into two kinds. Items fixed by law are calculated exactly from state rules: Florida's documentary stamp taxes and intangible tax, title insurance premiums in Florida and Texas (both states set them by regulation, so every title company charges the same premium), and Arizona's flat $30 recording fee per document. Market fees — lender charges, appraisal, settlement or escrow fees, inspections and prepaid items — depend on the companies you choose, so we show editable placeholders.

Buyer side: lender fees, appraisal, the lender's title policy (issued with the owner's policy at a reduced simultaneous rate: $25 in Florida, $100 in Texas), recording, Florida's mortgage taxes, inspections and prepaids. Seller side: Florida's deed tax, the real estate commission, the seller's settlement fee and other payoffs. The owner's title policy goes to whichever side your contract says. Seller credits reduce what the buyer pays at closing and increase the seller's costs.

Your lender must give you a Loan Estimate within three business days of your application and a Closing Disclosure at least three business days before closing. Use them to replace our placeholders with your real numbers.

Calculator by state

Frequently asked questions

What are closing costs?

They are the fees and taxes paid at closing on top of the down payment: lender charges, title insurance, government recording fees and transfer taxes, prepaid interest and insurance, and escrow deposits for property taxes. Sellers also have closing costs, mainly the commission, any transfer tax and the payoff of their mortgage.

Who pays closing costs, the buyer or the seller?

Both pay some. Who pays each item (for example the owner's title policy or a transfer tax) is set in the purchase contract and can be negotiated, and the seller can agree to give the buyer a credit toward closing costs. The calculator lets you choose who pays the owner's title policy and enter a seller credit.

Do Texas and Arizona have a real estate transfer tax?

No. Neither state charges a transfer tax on home sales. Arizona collects a $2 fee on deeds, but it is included in the flat $30 recording fee per document. Florida does tax transfers through its documentary stamp tax ($0.70 per $100 of the price in most counties).

Why is title insurance the same price at every company in Florida and Texas?

Both states promulgate (set) title insurance premiums: Florida in rule 69O-186.003 of its Administrative Code and Texas through the Texas Department of Insurance. Title companies still compete on the separate fees for search, examination and closing. In Arizona each insurer files its own rates, so it pays to compare quotes.

How can I lower my closing costs?

Compare Loan Estimates from several lenders, shop the fees you are allowed to shop for, negotiate a seller credit, and ask the title agent about reissue rates: in Florida a lower reissue premium applies, for example, when the seller's owner's policy is less than three years old.

Sources

Results are estimates for information only and are not legal, tax or financial advice. Confirm the figures with your lender, title or escrow company and the county offices.