Closing cost calculator

Add your down payment and itemized closing amounts, then subtract deposits and credits already applied.

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Closing cost calculator processes your input in this browser. Inputs and results are excluded from analytics. Recent tools save tool names, visit counts and last-visit times. Saved tools store only their names. Draft saving is optional and stays on this device; delete saved text with the draft controls. Loading text from a URL is optional and contacts that server; its URL and your IP address are visible to the server. An optional “Use in” action keeps a handoff in this tab. The next tool removes it on arrival and ignores it if more than a minute has passed.

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Property price

Down payment (%)

More inputs and assumptions

Closing charges

Prepaid items and reserves

Earnest money already paid

Credits applied

Answer

…

Add your down payment and itemized closing amounts, then subtract deposits and credits already applied.

More results

Precision and calculation record

Decimal places in numeric results and text downloads

Rounding changes displayed numbers, not the calculation. Text, fractions, matrices and CSV schedules keep their own formatting. Automatic keeps up to 12 significant digits, with money shown to cents where applicable.

Step-by-step calculation

Inputs are substituted below. Each line evaluates the next operation; intermediate values are displayed to 12 significant digits while the calculation uses full precision.

Saved scenario

Save the current answer, then change an input to compare. This clears when you leave.

Formula and assumptions

Enter amounts from your actual estimate; no jurisdiction rates or lender rules are assumed. A negative answer means modeled funds exceed the requirement, not a guaranteed refund. Loan funding, prorations and credits must match the settlement statement.

Automatic precision shows money to two decimal places and other numbers to 12 significant digits. Thousands separators such as 1,000 are accepted; use a dot for decimals.

Scratch calculator

Check another calculation

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Updated 2026-09-26

Using Closing cost calculator

Add your down payment and itemized closing amounts, then subtract deposits and credits already applied.

Next: Down payment calculator

A worked example

Example inputs: property price = 200000, down payment (%) = 20, closing charges = 5000, prepaid items and reserves = 2000, earnest money already paid = 3000, credits applied = 1000. Cash due at closing = 43000.

Before you use the result

Example results for property price

These examples use Down payment (%): 20; Closing charges: 5000; Prepaid items and reserves: 2000; Earnest money already paid: 3000; Credits applied: 1000. They are reference calculations, not recommended settings.

Property price	Cash due at closing
100000	23,000.00
200000	43,000.00
400000	83,000.00

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ToolOctopus. “Closing cost calculator.” Updated 2026-09-26. https://tooloctopus.com/closing-cost-calculator.

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