Buyer's Leverage
Buyer's Leverage
Inspection Intelligence
Closing Cost Calculator (Buyer, Free)
Financial

Closing Cost Calculator (Buyer)

Free buyer-side closing cost calculator. Loan origination, title insurance, transfer tax, escrow setup, FHA/VA fees — full breakdown.

Enter your inputs and we'll show you the estimated exposure, severity, urgency, and recommended next steps.

About this calculator

Buyer-side closing costs typically run 2-5% of purchase price — a $400K home means $8K-$20K in cash above your down payment. This calculator estimates each line item, highlights shoppable fees, and surfaces seller-paid credit opportunities most buyers miss.

Free calculator vs full Buyer's Leverage report

What this calculator shows you

  • Estimated repair exposure range
  • Severity, urgency, and negotiation relevance for this issue
  • General next-step checklist
What a full Buyer's Leverage report unlocks
  • Issue-by-issue inspection analysis across your whole report
  • Total repair exposure with prioritization
  • Negotiation strategy + seller-credit guidance
  • Repair timeline and specialist recommendations
  • Related-issue patterns the inspector may have missed
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Frequently asked questions

What's a typical buyer closing cost percentage?
2-5% of purchase price in most states. New York, New Jersey, and Pennsylvania run 5-8% due to higher transfer taxes. Lower-tax states (TX, MT, AK, WY) often see 1.5-3%.
Can closing costs be negotiated with the seller?
Yes — 'seller concessions' or 'seller-paid closing costs' are routinely negotiated. Conventional loans allow up to 3-9% (depends on down payment). FHA: 6%. VA: 4% (above closing costs). Hot markets accept 0-2%; cold markets 3-6%+.
Which closing costs are shoppable?
Title insurance, settlement/attorney fees, survey, home inspection, pest inspection. The federally-required Loan Estimate identifies these explicitly. NOT shoppable: appraisal (lender selects), recording fees, transfer tax, prepaids.
What's the FHA upfront MIP?
Federal Housing Administration loans have a 1.75% upfront Mortgage Insurance Premium (UFMIP) that can be rolled into the loan amount. Plus an annual MIP of 0.55%-0.85% paid monthly for the life of the loan (most cases).
VA funding fee — when is it waived?
VA funding fee (1.25%-3.3% depending on service history and use number) is fully waived for veterans with service-connected disability ratings of 10%+ and for surviving spouses receiving DIC.
Calculator results are estimates for educational planning only. Actual repair costs, negotiation outcomes, and professional recommendations vary by property, location, contractor, inspection findings, and market conditions. Buyer's Leverage does not replace licensed inspectors, contractors, engineers, real estate agents, attorneys, lenders, or insurance professionals.
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