Down payment
$70,000.00
Financial
Closing Cost Calculator
Use this closing cost calculator to estimate buyer cash to close, seller net proceeds, and combined transaction costs without double-counting the down payment.
closing costhome buyinglender feestitleclosing cost calculatorcash to close calculator
Calculator
Calculate instantly
Cash to close = down payment + buyer closing costs - earnest money
Buyer costs, credits, seller costs, and mortgage payoff are modeled as separate buckets so the final result is easier to review.
- The down payment reduces the loan balance. It is not counted again as a closing fee.
- Credits reduce the buyer's out-of-pocket closing costs.
- Combined closing costs show buyer closing costs and seller-paid transaction costs together without counting the down payment as a fee.
Inputs
Closing cost scenario
Estimate buyer cash to close, seller net proceeds, or both sides of a real estate closing.
Breakdown
Clear result breakdown
Review the values that explain the primary result.
Loan amount
$280,000.00
Lender fees
$4,200.00
Third-party fees
$4,450.00
Government fees
$1,350.00
Credits
$3,000.00
Visual comparison
Closing cost mix
Compare the major buyer and seller cost buckets.
Compare the major buyer and seller cost buckets.
Buyer closing costs$10,050.00
Down payment$70,000.00
Seller costs before payoff$26,450.00
Practical guidance
Insights for this scenario
Down payment is separate
The calculator keeps down payment out of closing fees so cash to close is not inflated by double-counting.
Credits matter
Lender and seller credits reduce buyer closing costs, while earnest money reduces cash still needed at settlement.
Verify local rules
Transfer taxes, legal fees, escrow customs, and required disclosures vary by location and transaction type.
Step-by-step solution
Follow the calculation path from known values to final result.
- 1
Separate down payment from fees
Loan amount = price - down payment
$350,000.00 - $70,000.00
The down payment reduces the loan balance. It is not counted again as a closing fee.
$280,000.00 loan amount
- 2
Add buyer closing costs
Buyer costs = lender + third party + government + prepaids - credits
$4,200.00 + $4,450.00 + $1,350.00 + $3,050.00 - $3,000.00
Credits reduce the buyer's out-of-pocket closing costs.
$10,050.00 buyer closing costs
- 3
Calculate selected result
Cash to close = down payment + buyer closing costs - earnest money
$70,000.00 + $10,050.00 - $5,000.00
Combined closing costs show buyer closing costs and seller-paid transaction costs together without counting the down payment as a fee.
$36,500.00 combined closing cost estimate
Formula explorer
Cash to close = down payment + buyer closing costs - earnest money
Buyer costs, credits, seller costs, and mortgage payoff are modeled as separate buckets so the final result is easier to review.
- P(currency)
- Purchase price: Contract sale price used for percentage costs.
- D(currency)
- Down payment: Cash paid toward the purchase price, separate from fees.
- C(currency)
- Closing costs: Lender, title, government, prepaid, and settlement costs after credits.
Assumptions and references
Units
- currency
- percent
Assumptions
- Inputs are user-entered planning estimates.
- Local transfer taxes, escrow rules, title practices, and lender costs can vary.
- The calculator does not replace a Loan Estimate, Closing Disclosure, legal advice, or tax advice.
Limitations
- Estimates are not a loan estimate, closing disclosure, legal opinion, or tax advice.
Worked examples
Real-worldBuyer and seller settlement estimate
Known values
- Price: $350,000
- Down payment: 20%
- Buyer credits: $3,000
Calculation
- 1. Calculate the loan amount after down payment.
- 2. Add lender, title, government, and prepaid costs.
- 3. Subtract credits and earnest money for cash to close.
Result and meaning
The estimate separates cash to close from seller net proceeds so each side can review its own settlement total.
Learning guide
Understand the calculation
Concepts
- Cash to close
- Seller net proceeds
- Credits and concessions
- Prepaids and escrow
Tips
- Compare this estimate with your lender's official Loan Estimate or Closing Disclosure.
- Use local transfer tax and settlement fee values where possible.
- Do not treat down payment as a closing fee when comparing fee percentages.
Common mistakes
- Double-counting the down payment as a fee.
- Forgetting seller credits or earnest money.
- Ignoring local transfer taxes and prepaid escrow deposits.
Educational notes
- The calculator separates down payment, buyer closing costs, credits, seller costs, and mortgage payoff so each part of the closing estimate can be reviewed clearly.
- Down payment is included in cash-to-close planning but not counted as a buyer fee.
- Seller net proceeds subtract seller costs and mortgage payoff.
- Use actual local title, escrow, tax, and lender values where possible.
Glossary
- Purchase price
- Contract sale price used for percentage-based costs.
- Down payment
- Cash applied toward purchase price, not treated as a closing fee.
- Closing costs
- Lender, title, government, escrow, prepaid, and settlement costs after credits.
Trust panel
Calculator quality and review
- Reviewed by
- AZCalculate real estate calculator review
- Review date
- 2026-06-25
- References
- 2
- Trust score
- 91/100
- Formula verified
- Yes
- Risk level
- high
- Category
- Financial
- Calculator version
- 2.1
- Formula version
- 2.1
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Trust note
Important estimate
Real estate costs vary by lender, settlement provider, location, and contract terms. Verify all estimates with official closing documents and qualified professionals.
High risk contextDifficulty: intermediateConfidence estimate: 91/100Reviewed 2026-06-25Reviewed by: AZCalculate real estate calculator reviewCalculator v2.1 / Formula v2.12 sources listed
References
Sources used for this calculator
Last checked: 2026-06-25 | Next review: 2026-12-25
Last checked: 2026-06-25 | Next review: 2026-12-25
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We work hard to keep every calculator accurate and useful. If you notice a calculation error, missing option, or unclear explanation, please let us know so we can review and correct it promptly.
Calculator usage
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FAQ
Closing Cost Calculator FAQs
How does the closing cost calculator work?+
It uses Cash to close = down payment + price x closing percent + fixed fees and calculates the result from the values you enter.
Can I copy or print the result?+
Yes. AZCalculate calculator pages include copy, share, and print actions.
Does the closing cost calculator include the down payment?+
It includes the down payment in cash-to-close planning, but it does not count the down payment as a closing fee.
What is cash to close?+
Cash to close is the amount a buyer expects to bring to settlement after down payment, buyer closing costs, credits, and earnest money are considered.
What are buyer closing costs?+
Buyer closing costs can include lender charges, title fees, escrow fees, recording fees, transfer taxes, prepaids, and settlement fees.
What are seller closing costs?+
Seller costs often include agent commission, transfer taxes, title or attorney fees, concessions, repair credits, home warranty, and mortgage payoff.
Can closing costs vary by state or country?+
Yes. Transfer taxes, title customs, attorney requirements, and settlement practices vary widely by location.
Why are credits separated from fees?+
Credits reduce out-of-pocket buyer costs, so the calculator subtracts lender and seller credits after adding gross buyer costs.
Is seller net proceeds the same as sale price?+
No. Seller net proceeds subtract selling costs, buyer concessions, repair credits, and any mortgage payoff from the sale price.
Can I use this as my final closing disclosure?+
No. Use it as a planning estimate and compare it with official lender, escrow, attorney, or settlement documents.
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