Closing Cost Calculator USA 2026
Estimate 2026 USA mortgage closing costs — lender fees, title insurance, taxes, appraisal and prepaids — for buyers and refinancers by state.
Project details
All prices in USD $ · 2026 USA averages.
Estimated cost
Total closing costs
$12,838
Range: $11,297 – $14,763
$500,000 home, $400,000 loan in TX
Cost breakdown
| Loan origination fee (1%) | $4,000 |
| Appraisal | $600 |
| Credit report | $60 |
| Title insurance | $1,840 |
| Recording fees | $161 |
| Transfer tax | $1,840 |
| Survey | $500 |
| Attorney / settlement | $644 |
| Prepaid interest (15 days) | $1,118 |
| Prepaid property tax (2 months) | $1,500 |
| Prepaid insurance (2 months) | $575 |
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Disclaimer: Rates as of 2026. Estimates use 2026 USA average mortgage rates, state property tax and insurance data. Actual rates, fees and payments depend on lender, credit score, loan program and property. Consult a licensed loan officer before locking a rate.
Frequently asked questions
How much are closing costs in 2026?
Typically 2–5% of the loan amount. On a $400K loan, expect $8,000–$20,000 depending on state and lender fees.
Who pays closing costs?
Usually the buyer, but sellers often contribute 1–3% as a concession. VA and some FHA loans allow seller-paid closing.
Can closing costs be rolled into the loan?
Only on refinances and some FHA/VA purchases. On conventional purchases they're generally paid at closing.