Closing Cost Calculator

Estimate your total cash-to-close with precision.

Buying a home involves more than just the down payment. Use our Closing Cost Calculator to estimate the fees associated with your purchase or refinance. While exact figures depend on your specific loan scenario, this tool helps you prepare for the final signing.

Calculate Your Costs Conventional

Estimated Cash to Close:

$12,936

Monthly Payment Breakkdown

Loan Payment:

$1,458.27

Property Tax:

$300.00

Home Insurance:

$300.00

HOA Fees:

$0.00

Calculate Your Costs Conventional

Use this Mortgage Closing Cost Calculator to estimate your monthly mortgage payment, including taxes, insurance and PMI.

Loan & Property Details

Monthly Expenses

Closing Costs

Underwriting & Origination

Title Fees & Taxes

Government Fees

Prepaid Interest & Escrow

$2,058.27
PER MONTH
Loan Payment: $1,458.27
Property Tax: $300.00
Home Insurance: $300.00
HOA Fees: $0.00
Mortgage Insurance: $0.00

Approximate Cost of Closing Fees

Underwriting & Origination: $6,637.00
Title Fees & Taxes: $2,325.00
Government Fees: $1,570.00
Prepaid Interest: $604.11
Tax Escrow: $900.00
Insurance Escrow: $900.00
Approximate funds needed to close: $12,936.11

Understanding Your Closing Costs

Closing costs typically range between 2% and 5% of the loan amount. As a premier mortgage lending firm in Florida, we believe in transparency. When you apply, you will eventually receive a Loan Estimate (LE), but it helps to know what goes into it beforehand.

Origination Charges

Fees for processing and underwriting your loan.

Service Fees

Appraisal, credit report, and flood certification.

Title & State Fees

In Florida, this includes documentary stamps and intangible taxes.

Need a Real Number?

Online calculators are great for rough math, but a sample loan estimate tailored to your property is better. Whether you are looking for a mortgage credit certificate program to save on taxes or need a breakdown of cash-to-close, our team can provide a detailed worksheet.

Calculate Your Costs FHA

Use this FHA Closing Cost Calculator to estimate your monthly mortgage payment, including taxes, insurance and PMI.

🏡 FHA Closing Cost Calculator

FHA Loan Requirements: 3.5% Minimum Down Payment • Upfront MIP 1.75% • Annual MIP 0.55%

Loan Details

Minimum 3.5%

🏛️ FHA Mortgage Insurance Premiums

Standard 1.75%
Standard 0.55%

Monthly Expenses

đź“‹ Closing Costs Breakdown

Underwriting & Origination

Title Fees & Taxes

Government Fees

Prepaid Interest & Escrow

ESTIMATED MONTHLY PAYMENT
FHA Loan
$2,391.72
Principal & Interest: $1,759.03
Property Tax: $250.00
Home Insurance: $250.00
HOA Fees: $0.00
FHA MIP (Annual 0.55%): $132.69

📌 Approximate Closing Costs

Underwriting & Origination: $12,693.25
Title Fees & Taxes: $2,572.50
Government Fees: $1,842.25
Prepaid Interest: $728.71
Tax Escrow: $750.00
Insurance Escrow: $750.00
đź’° Funds Needed to Close: $19,336.71
Upfront MIP Included: $5,066.25 (1.75% of loan amount)

Calculate Your Costs VA

Use this VA Closing Cost Calculator to estimate your monthly mortgage payment, including taxes, insurance and PMI.

🎖️ VA Loan Closing Cost Calculator

VA Loan Benefits $0 Down Payment Option No Monthly MIP VA Funding Fee: 1.25%

🏠 Loan Details

0% for zero-down VA loans

🎖️ VA Funding Fee

Standard 1.25% (0% down, first use)
ℹ️ VA Funding Fee can be financed into loan or paid at closing

đź“‹ Monthly Expenses

No MIP on VA loans

đź“‹ Closing Costs Breakdown

Underwriting & Origination

Title Fees & Taxes

Government Fees

Prepaid Interest & Escrow

ESTIMATED MONTHLY PAYMENT
VA Loan
$1,782.27
Principal & Interest: $1,458.27
Property Tax: $237.00
Home Insurance: $87.00
HOA Fees: $0.00
Mortgage Insurance: $0.00
âś“ VA loans require NO monthly mortgage insurance

📌 Approximate Closing Costs

Underwriting & Origination: $9,637.00
Title Fees & Taxes: $2,325.00
Government Fees: $1,570.00
VA Funding Fee: $3,000.00
Prepaid Interest: $604.11
Tax Escrow: $711.00
Insurance Escrow: $261.00
đź’° Funds Needed to Close: $15,108.11
VA Funding Fee: $3,000.00 (1.25% of loan amount)
Can be financed - add to loan amount