Closing costs calculator

Calculator

Closing costs Calculator

This calculator is intended for educational purposes only. It is not intended to be a substitute for professional advice of the licensed real estate or mortgage broker. To get help from the real estate agents or mortgage lenders in your area, or just ask a question, use the Rionta connection link below.

What type of estimate you want to run?

Transaction details

Seller name:

Buyer Name:

Property address

Street Addres:

City,State,Zip-code:

Sales price:

Escrow period:

Today's Date(Contract Date):

Estimated Closing Date:

Annual property bill

Current mortgages required to pay off

1st Mortgage Balance:

1st loan Inetrest Rate:

2nd Mortgage Balance:

2nd loan Interest Rate:

Fees usually paid by the Seller Подсказка справа

Real Estate Commissions Sellers usually pay for both the buyer’s and the seller’s real estate agent commissions. This does depend on the market you’re selling in. Real estate commissions may vary, but the average rate is 5 – 6% of the total loan value. The buyer's agent and the seller's agent split the fee evenly.

Seller's credit toward Buyer's closing costs, if any requested

Fees usually paid by Seller, but negotiable

Escrow Fee

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

County Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

City Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit to Buyer

Title Insurance, Homeowner's Policy

Awerage Rate

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Fees usually paid by Buyer, but maybe negotiable

Title Insurance, Lender's Policy

Awerage Rate

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Natural Hazards Disclosure Report Подсказка справа

Total Fee

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyer

Optional fees paid as negotiated in contract Подсказка справа

In some states, you’re required to get a pest inspection before you close on your loan. Pest inspections are also sometimes required if you’re buying a home with a VA loan. It may be required for other loans as well if the appraiser thinks there is a problem.
The average pest inspection costs about $100. Depending on the situation, this may be covered by the buyer, seller or lender. Pest Inspection Fee

Fee Total

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyers

Подсказка сверху Pest Repairs

Подсказка сверху Roof Inspection Fee

Fee Total

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyers

Подсказка сверху Roof Certification

Home Warranty Contact Подсказка справа

Total Fee

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyer

ESTIMATED SELLER’ CLOSING STATEMENT
Seller:			Today's Day:
Buyer:			Estimated Closing Date:
For the property at:

ITEM			DEBIT	CREDIT
Sales Price
CLOSING COSTS USUALLY PAID BY THE SELLER
Real Estate Brokerage Commission
Seller's Broker	3%
Buyer's Broker
FIRST LOAN PAYOFF
Principal Balance
Interest Rate
Interest on Loan $ per day from to	1
Demand Fee			$120.00
Reconveyance Fee			$65.00

SECOND LOAN PAYOFF
Principal Balance
Interest Rate
Interest on Loan $ per day from to	1
Demand Fee			$120.00
Reconveyance Fee			$65.00

ESCROW FEES AND TAXES
Escrow Fee
Recording Fees			$15.00
Document Preparation ($50 per document)
Notary Fees ( $10.00 per signature)
Delivery, Courier and Federal Express
Wire Fees			$25.00
Title Insurance, Homeowner's Policy		$0
Title Insurance, Lender's Policy
Prorated Real Estate Taxes $ per day from to		per installment
Prorated property tax for the period to credit from Buyer
County Transfer Tax ($1.10 per thousand)
City Transfer Tax (0.275% of sales price)
Natural Hazards Disclosure Report			$100.00
FEES AND COSTS NEGTIABLE - DEFINE PER CONTRACT
Pest Inspection Fee
Pest Repairs
Home Warranty Contract
Roof Certification
OTHER FEES AND COSTS PER CONTRACT
Credit to Buyer for Non-Recurring Closing Costs
Total Seller’s closing costs and credits

Transaction details

Seller name:

Buyer Name:

Property address

Street Addres:

City,State,Zip-code:

Sales price:

Escrow period:

Today's Date(Contract Date):

Estimated Closing Date:

Purchase financing

Downpayment

Earnest money deposit

New 1st loan: LTV

New 1st loan:

Interest Rate 1st mortgage

New 2nd loan: LTV

New 2nd loan:

Interest Rate 2nd mortgage

Fees usually paid by Seller, but maybe negotiable Подсказка справа

Usually paid by Buyer, but may be negotiable

Escrow Fee

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

County Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

City Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit to Buyer

Title Insurance, Homeowner's Policy

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Fees usually paid by Buyer, but maybe negotiable

Title Insurance, Lender's Policy

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Natural Hazards Disclosure Report Подсказка справа

Total Fee

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyer

Fees usually paid by the Buyer Подсказка справа

Does your state require new mortgage tax stamp?

Yes

1st New Mortgage Tax (if applicable):

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit to Buyer

2nd New Mortgage Tax (if applicable):

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit to Buyer

Optional fees paid as negotiated in contract Подсказка справа

Fee Total

Buyer Pays

Debit To Buyers

Seller Pays

Debit To Seller

Подсказка сверху Pest Repairs

Подсказка сверху Roof Inspection Fee

Fee Total

Buyers Pays

Debit To Buyers

Seller Pays

Debit To Seller

Подсказка сверху Roof Certification

Home Warranty Contact Подсказка справа

Total Fee

Buyer Pays

Debit To Buyer

Seller Pays

Debit To Seller

Seller’s credit toward Buyer’s closing costs

If you do not have enough funds to cover your closing costs in addition to your required down-payment you may ask the Seller to issue the credit to you at closing. Lenders usually allow the closing costs in the amount up to 3% of the purchase price to be covered by the Seller. If you are not sure, you can contact local loan officer to get your questions answered. Follow this link to create a question on our website to your local loan professional.

Are you going to ask the Seller to cover some of you closing costs?

Yes

Seller's credit toward Buyer's closing costs, if any requested Подсказка справа

ESTIMATED BUYER’ CLOSING STATEMENT
Seller:			Today's Day:
Buyer:			Estimated Closing Date:
For the property at:

ITEM			DEBIT	CREDIT
Sales Price
Earnest Money Deposit
CLOSING COSTS USUALLY PAID BY THE BUYER
PURCHASE FINANCING COSTS
Principal Amount of New 1st Loan
Interest Rate
Prepaid Interest $ per day	1
Loan Origination Fee
Loan Discount Points, if any
Underwriting Fee			$1055.00
Appraisal Fee			$550.00
Credit Report Fee			$35.00
Document Preparation			$120.00
Tax Service			$550.00
Wire Fee			$20.00
Reserve for Hazard Insurance	2
Reserve for Flood Insurance	2
Reserve for Property Tax	3
Principal Amount of New 2nd Loan
Interest Rate
Interest $ per day
Loan Origination
Loan Discount
Underwriting Fee			$700.00
Document Preparation			$120.00
Hazard Insurance Premium
Flood Insurance Premium
ESCROW FEES
Escrow Fee
Recording Fees			$75.00
Document Preparation ($50 per document)
Notary Fees ( $10.00 per signature)
Delivery, Courier and Federal Express
Wire Fee			$25.00
Title Insurance, Homeowner's Policy		$0
Title Insurance, Lender's Policy
Prorated Real Estate Taxes $ per day from to		per installment
Property tax bill from to always credit to Seller
County Transfer Tax ($1.10 per thousand)
City Transfer Tax (0.275% of sales price)
Natural Hazards Disclosure Report			$100.00
OTHER FEES AND COST
Pest Inspection Fee
Pest Repairs
Home Warranty Contract
Roof Certification
OTHER FEES AND COSTS PER CONTRACT
Credit to Buyer for Non-Recurring Closing Costs				$0
Total Buyer’s closing costs and credits
Amount due from Buyer at closing

Transaction details

Seller name:

Buyer Name:

Property address

Street Addres:

City,State,Zip-code:

Sales price:

Escrow period:

Today's Date(Contract Date):

Estimated Closing Date:

Seller Current mortgages required to pay off

1st Mortgage Balance:

1st Inetrest Rate:

2nd Mortgage Balance:

2nd Interest Rate:

Purchase financing

Fees usiually paid by the buyer:

Downpayment

Earnest money deposit

New 1st loan: LTV

New 1st loan:

Interest Rate 1st mortgage

New 2nd loan: LTV

New 2nd loan:

Interest Rate 2nd mortgage

Fees usually paid by the Seller Подсказка справа

Escrow Fee

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

County Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

City Transfer Tax Подсказка справа

Rate

Amount

Seller Pays

Debit to Seller

Buyer Pays

Debit to Buyer

Title Insurance,Homeowner's Policy

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Fees usually paid by Buyer, but maybe negotiable

Title Insurance, Lender's Policy

Awerage Total

Seller Pays

Debit to Seller

Buyer Pays

Debit To Buyer

Natural Hazards Disclosure Report Подсказка справа

Total Fee

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyer

Fees usually paid by the Buyer Подсказка справа

New Hazard Insurance: Подсказка справа

New Flood Insurance: Подсказка справа

Optional fees paid as negotiated in contract Подсказка справа

Fee Total

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyers

Подсказка сверху Pest Repairs

Подсказка сверху Roof Inspection Fee

Fee Total

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyers

Подсказка сверху Roof Certification

Home Warranty Contact Подсказка справа

Total Fee

Seller Pays

Debit To Seller

Buyer Pays

Debit To Buyer

ESTIMATED CLOSING STATEMENT
Seller:				Today's Day:
Buyer:				Estimated Closing Date:
For the property at:

Seller		Description			Borrower/Buyer
Debit	Credit	Sales Price			Debit	Credit
		Sales Price
		Real Estate Brokerage Commission
		Seller's Broker
		Buyer's Broker
		FIRST LOAN PAYOFF
		Principal Balance
		Interest Rate
		Interest on Loan
$120		Demand Fee
$65		Reconveyance Fee
		Recon Tracking
		SECOND LOAN PAYOFF
		Principal Balance
		Interest Rate
		Interest on Loan
$120		Demand Fee
$65		Reconveyance Fee
		Recon Tracking
		Principal Amount of New First Loan
		Interest Rate
		Interest
		Loan Origination
		Loan Discount, if any
		Underwriting Fee			$1055
		Appraisal Fee			$550
		Credit Report Fee			$35
		Document Preparation			$120
		Tax Service			$25
		Wire Fee			$20
		Reserve for Hazard Insurance	2
		Reserve for Flood Insurance	2
		Reserve for County Taxes	2
		Principal Amount of New Second Loan			$0
		Interest Rate
		Interest
		Loan Origination
		Loan Discount
		Underwriting Fee			$700
		Hazard Insurance Premium
		Flood Insurance Premium
		Escrow Fees
		Escrow Fee
		Title Insurance, Lender's Policy
		Title Insurance, Homeowner's Policy		$0
		Prorated Real Estate Taxes $ per day from to		per installment
		credit from Buyer Prorated property tax for the period to always credit to Seller
		Sellers Escrow Fees
$15		Recording Fees
		Document Preparation ($50 per document)
		Notary Fees ( $10.00 per signature)
		Delivery, Courier and Federal Express
$25		Wire Fees
		Buyer Escrow Fees
		Recording Fees			$75
		Document Preparation ($50 per document)
		Notary Fees ( $10.00 per signature)
		Delivery, Courier and Federal Express
		Wire Fees			$25
		County Transfer Tax ($1.10 per thousand)
		City Transfer Tax (0.275% of sales price)
$100		Natural Hazards Disclosure Report
$0		Other Repairs, if any, per contract must be done before COE
		FEES AND COSTS NEGTIABLE - DEFINE PER CONTRACT
		Pest Inspection Fee
		Pest Repairs
		Home Warranty Contract
		Roof Certification
		OTHER FEES AND COSTS PER CONTRACT
		Credit to Buyer for Non-Recurring Closing Costs
		Total Buyer’s closing costs and credits