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Only one number? Try the Mortgage Closing Cost Calculator

Mortgage Closing Cost Planner

Enter the loan amount, the cash you plan to put down, and the fees you expect at closing. The calculator shows the total closing costs and the cash you need to close.

Your numbers

Your plan is ready.
Estimated closing costs 
Cash needed to close 
Closing costs as a share of loan 

Scenario table

Each row changes one number by a tenth, and keeps the rest as you entered them.

ScenarioEstimated closing costsCash needed to close

Scenario chart

The first result for each scenario, drawn to scale.

How to use this planner

Enter your numbers in the boxes. The results update as you type, using the same calculation as the calculator.

The scenario table shows what changes when one number moves. Use it to see which number has the most effect on your result.

Understanding the result

The results are estimates. They use only the numbers you enter, so they can differ from what a bank, lender, or adviser calculates.

Ashok Nath ยท Updated: October 31, 2026

About the author

Ashok Nath

Ashok Nath

Software Developer and Analyst, Technical Calculator

Ashok Nath writes the guides and FAQs on Moni Calculator Pro. He works as a software developer and analyst. Each calculator's math is covered by automated tests before its page is published, and the guides explain that math in plain language.

Frequently asked questions

How much are closing costs usually?

They vary widely by lender, area, and loan. Your Loan Estimate lists each fee, and comparing those estimates shows the real range for your loan.

What is a Loan Estimate?

It is a standard form from a lender that lists the loan terms and expected closing costs. Ask for one from each lender you are comparing.

Can I get help with closing costs?

Some programs and some lenders offer assistance or credits. Ask about them early, since the rules and eligibility differ.

Are prepaid taxes and insurance part of closing costs?

They are often paid at closing, but they are not fees. They fund the escrow account, so they add to the cash needed without being a cost of the loan.

Should I roll closing costs into the loan?

You can if the lender allows it. That lowers the cash needed now, but it adds interest to the loan over time.