Closing cost calculator
The cash you'll need at the closing table goes well beyond the down payment. This itemizes the typical fees in a California-style transaction so you can plan ahead.
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20.0% of price
Closing costs vary by state, lender, and program. This estimate uses California-typical ranges. Your real Loan Estimate will itemize each fee, and you can shop several of them.
Estimated closing costs
$17,545
2.34% of home price · plus your $150,000 down payment
Cash-to-close: $167,545
What you'll need at the closing table, before any seller credits or lender concessions.
Itemized breakdown
Lender fees
$3,695- Loan origination fee$3,000
- Lender underwriting$695
Third-party services
$725- Appraisal$650
- Credit report$75
Title & escrow
$7,100- Title insurance (lender)$3,000
- Title insurance (owner)$3,000
- Title search & escrow$1,100
Government & recording
$1,075- Recording fees$250
- Transfer tax$825
Prepaid items
$4,950- Prepaid property tax (3 mo)$2,250
- Prepaid home insurance (1 yr)$1,500
- Initial escrow deposit$1,200