What are typical closing costs?

Lender fees: origination, underwriting ($500-$1,500). Title: search, insurance, settlement (~1% of purchase price). Government: recording fees, transfer taxes (0.1-2% by state). Prepaids: first year insurance, 3-6 months taxes, per-diem interest.

Can I roll closing costs into the mortgage?

Yes — lender credits trade a higher interest rate for lender-paid closing costs. Or close at end of month to minimize per-diem interest. Some loan programs allow financing closing costs into the loan amount.

What closing costs can be negotiated?

Origination, underwriting, and processing fees are negotiable. Title insurance shop in states allowing it. Transfer taxes are set by law. Compare Loan Estimates from 3+ lenders to find the best deal.

Mortgage Closing Cost Estimator

Estimate total closing costs for a home purchase or refinance. Closing costs typically run 2-5% of the loan amount and include lender, title, government, and prepaid items.

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Frequently Asked Questions

What are typical closing costs?

Can I roll closing costs into the mortgage?

What closing costs can be negotiated?