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Estimate closing costs and total cash-to-close requirements for first-home purchases across conventional and government-backed loan options. Use this tool to avoid settlement-day budget surprises.
Last updated: April 9, 2026
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Estimated Closing Costs
$21,893
Total Cash to Close
$42,893
Lender Fees
$3,990
Title & Escrow
$3,360
Prepaid Taxes/Insurance
$7,560
Upfront Program Fee
$6,983
Analysis:
Estimated closing costs are $21,893 with total estimated cash to close of $42,893.
First-Time Buyer Notes:
Components
Origination + program fee assumptions
Components
Title + escrow + recording assumptions
Output
Estimated settlement cash requirement
This calculator combines home price, down payment, loan type, and location-cost assumptions to estimate total settlement costs. It is designed for first-time buyers who need a practical cash-to-close planning baseline.
1) Compute loan amount from price and down payment2) Estimate lender, title, prepaid, and program-specific fees3) Add down payment to estimate total cash-to-closeShare it with first-time buyers and housing advisors.
Suggested hashtags: #HomeBuying #ClosingCosts #FirstTimeBuyer #Mortgage #Calculator