Closing Cost Estimator
Rough estimate tool. Defaults are placeholders—always confirm with your lender and closing attorney.
Down payment
Down payment: $35,000
Bucket B — Estimated closing services
Applied to the loan amount ($315,000)
1.50%
$4,725
Bucket A — Recording assumptions (estimate)
Default values come from the selected county preset. Turn on override to adjust.
Preset defaults
Documents: 2 • Pages/doc: 4
Bucket C — Prepaids & escrows (estimate)
These vary by lender, closing date, and local practice. Enter best-known values.
Estimated cash to close
$42,267
Loan amount: $315,000
Hamilton County, TN
Down payment
$35,000
Credits applied
$0
Seller credits + earnest money
Breakdown
Bucket A = computed gov/recording • Bucket B = % estimate of loan • Bucket C = prepaids/escrows estimate
| Item | Amount |
|---|---|
| Bucket A — Government / recording (computed) | $1,700.95 |
| Transfer tax | $1,295.00 |
| Mortgage (indebtedness) tax | $359.95 |
| Recording fees (estimate) | $46.00 |
| Bucket B — Closing services (estimate) | $4,725.00 |
| Estimated services (1.50% of loan) | $4,725.00 |
| Bucket C — Prepaids & escrows (estimate) | $841.44 |
| Tax escrow | $0.00 |
| Insurance escrow | $0.00 |
| Prepaid interest | $841.44 |
Disclaimer: Defaults are rough placeholders. Actual closing costs and escrow requirements vary by lender, title/attorney, property details, and contract terms. Use for ballpark planning and double-checking only.