30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Mortgage Calculators

Home closing cost calculator

Estimate the closing costs a buyer pays on top of the down payment — lender fees, title, escrow and more — so there are no surprises at signing.

Inputs
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Estimates only. Change any value to recalculate instantly.

Estimated closing costs $9,900 about 2.8% of the home price
Loan origination $2,800
Title & escrow $2,200
Prepaids $3,200
Total closing costs $9,900
Closing cost breakdown
Closing cost breakdown Origination: $2.8kTitle & escrow: $2.2kAppraisal/inspection: $900Prepaids: $3.2kOther: $800
  • Origination $2.8k
  • Title & escrow $2.2k
  • Appraisal/inspection $900
  • Prepaids $3.2k
  • Other $800

Closing costs typically run 2–5% of the price — here about 2.8%. Budget for them on top of your down payment, and remember some are negotiable or can be covered by seller concessions.

How this calculator works

This calculator runs entirely in your browser — nothing you enter is sent anywhere, and there is no sign-up. Change any input and the result, breakdown, and schedule update instantly.

Rate and cost fields are pre-filled with current benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)), so your first result is already realistic — replace them with your own quote to see your numbers. To weigh one option against another, use the loan comparison calculator.

30-year fixed mortgage rate, 2019–2026
8.0%6.0%4.0%2.0% 2019202120232025 6.43%

Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.

Common questions

Is this calculator free, and do I need to sign up?

Yes and no — it is completely free and asks for no account or personal details. Every calculation happens in your browser, so nothing you type is stored or sent to us.

How accurate are the results?

The math is exact for the inputs you give it, but the defaults are national benchmarks — your real rate, fees, taxes, and insurance will differ. Treat the result as a close estimate to refine with a real quote.

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