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.
Every line item: loan origination, appraisal, title insurance, recording, settlement, credit report, state and county transfer taxes, and prepaid property tax + insurance.
State transfer taxes vary a LOT: Delaware ∼4%, Texas / Idaho / Alaska 0%. This calculator uses a state-by-state lookup and lets you override for your county.
How much are closing costs? Typically 2%-5% of purchase price for the buyer.
Are FHA and VA more expensive at closing? Yes — FHA has a 1.75% upfront MIP, VA a 1.4-3.6% funding fee, USDA a 1% guarantee fee.