Free Calculator · USA 2026

Closing Costs Calculator

Estimate every buyer and seller closing cost line by line — adjusted for your state and loan type. No surprises on closing day.

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Total Buyer Closing Costs
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0% of purchase price
Loan Amount
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Down Payment
$0
Cash Needed
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Seller Net
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Buyer Cost Breakdown

Average Closing Costs by State (Buyer)

StateAvg Home PriceAvg Closing Costs% of PriceNotes
California$850,000$17,000–$25,5002.0–3.0%High transfer taxes in some counties
New York$680,000$20,400–$34,0003.0–5.0%Highest in nation — mansion tax on $1M+
Texas$340,000$6,800–$10,2002.0–3.0%No state income tax, moderate closing costs
Florida$420,000$8,400–$12,6002.0–3.0%Documentary stamp tax adds cost
Washington$580,000$11,600–$17,4002.0–3.0%Real Estate Excise Tax on sellers
National Average$420,000$6,300–$12,6001.5–3.0%Varies significantly by state and city