Closing Costs Calculator — Cash to Close | FirstKeysGuide

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Closing Costs Calculator

Estimate cash to close with an itemized breakdown: down payment, lender & third-party fees, title/escrow, transfer taxes, and prepaids & escrows. Apply seller/lender credits, EMD, and paid-outside-closing items.

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Basics

Purchase price ($)

Down payment mode

Down payment (value)

% or $ based on mode

Rate (APR %)

Used for prepaid interest estimate

Term (years)

Prepaid interest days

Discount points & lender fees

Points mode

Points (value)

Origination fee ($)

Underwriting ($)

Processing ($)

Other lender fees ($)

Third-party & title / escrow

Appraisal ($)

Credit report ($)

Flood cert / tax svc ($)

Settlement / escrow fee ($)

Lender’s title policy ($)

Owner’s title policy ($)

Title search/exam ($)

Courier / misc ($)

Government / recording / transfer

Recording fees ($)

Transfer tax mode

Transfer tax (value)

% or $ based on mode

Other gov fees ($)

Prepaids & initial escrows

Homeowners insurance ($/yr)

12-month premium collected upfront

Insurance escrow months

Property tax input

Property tax (value)

% or $ based on mode

Tax escrow months

HOA dues ($/mo)

HOA months collected

PMI rate (% of loan / yr)

Shown for context; PMI itself is not due at closing

Credits & paid-outside-closing

Seller credit mode

Seller credit (value)

Lender credit mode

Lender credit (value)

Earnest money deposit (EMD) already paid ($)

Appraisal paid outside closing ($)

Cash to Close

$—

After credits, deposits, and POC

Closing Costs (itemized)

$—

Lender + third-party + title + gov/transfer

Prepaids & Escrows

$—

Insurance, taxes, escrow reserves, interest

Section	Amount
Down payment	$—
Closing costs (fees & taxes)	$—
Prepaids & initial escrows	$—
Credits applied (seller + lender)	−$—
Deposits/POC (EMD + POC)	−$—
Total Cash to Close	$—

Assumptions & notes

Prepaid interest uses your APR and days selected.
Insurance: collects 12 months upfront plus escrow months.
Property taxes: enter as % of price or as $/year; we collect escrow months.
Credits: seller/lender credits are capped to closing costs + prepaids/escrows and do not reduce down payment.
Actual fees vary by lender, title company, county, and program caps (FHA/VA/Conventional). Use your Loan Estimate for precise numbers.

Disclaimer: Educational estimates only; not a Loan Estimate or commitment to lend.