Closing Cost Calculator

Estimate shared by your loan officer

National Averagesvia Mortgage News Daily
2026-11-03

30 Yr Fixed

7.27%

+0.00

15 Yr Fixed

6.92%

+0.00

FHA 30 Yr

6.91%

+0.01

VA 30 Yr

6.92%

+0.01

Scenario Details

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Closing Cost Breakdown

Lender Fees

Origination Fee$3,200.00
Underwriting Fee$1,295.00
Subtotal$4,495.00

Title & Third-Party Fees

Appraisal Fee$650.00
Credit Report (2 Borrowers)$290.00
VOE - Verification of Employment (2 Borrowers)$60.00
Lender Title Insurance$1,000.00
Settlement Fee$500.00
Recording Fee$165.00
Subtotal$2,665.00

Prepaids & Escrow

Prepaid Interest (Daily Interest)$1,652.60
Upfront HOI (12 months)$1,800.00
Tax Reserves (2 months)$600.00
Insurance Reserves (2 months)$300.00
Subtotal$4,352.60
Total Closing Costs$11,512.60

Estimated fees, third-party charges, taxes, insurance, and prepaid items are based on the information and assumptions entered by your loan officer and may change. This is for comparison and planning only and is not a Loan Estimate, approval, commitment to lend, or final quote. Refer to your official lender disclosures for binding loan terms and costs.