Buyer-side closing costs run 2%-5% of the home price on average. This tool breaks it down by line so you know exactly what to expect at the settlement table.
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Default: $0.55 per $500 state + typical county add-on
Your down payment and state carry over across our home-buying tools. Everything stays on this device.
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That's the national typical range for buyer-side closing costs. We break it into every line item — origination, title insurance, transfer taxes, escrow prepaids and more — with a low and high estimate for each.
Delaware runs about 4% combined. Texas, Idaho, and Alaska charge zero. This calculator uses a state-by-state lookup and lets you override if your county has an unusual local add-on.
Don't forget you need both. The 'cash to close' figure is what you actually wire on closing day — down payment plus every closing cost item combined.