Your cash-to-close, in any state.

All 50 states + DC. Compare up to three loan scenarios with state-specific transfer taxes, mortgage taxes, recording fees, and prepaids. Save your deals, share with your agent, export to PDF.

Property & Transaction

Purchase Refinance

State — affects transfer tax & escrow County / City — pick the jurisdiction First-Time Buyer?

Sale Price

Down Payment

Annual Property Tax

Annual Homeowners Insurance

Seller Concession / Lender Credit

Earnest Money Already Paid

Prepaids

Days of Prepaid Interest — set at closing, ~15 mid-month HOI Months Prepaid — lender typically requires 12

Loan Scenarios

Add up to 3 scenarios to compare side-by-side.

Your Estimate

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How accurate is this?

This calculator estimates buyer cash-to-close based on state-specific transfer taxes, mortgage taxes, and recording fees, plus a national baseline for lender, title, and settlement fees adjusted by a state-level closing-cost factor. It is for illustration only and is not a Loan Estimate under RESPA/TILA.

What it includes: origination/lender fees (Section A), services you cannot shop for (B), title & settlement (C), transfer/recording/mortgage taxes (E), prepaid interest & insurance (F), and initial escrow (G). State-specific items: NY mansion tax, NJ seller graduated supplemental fee (2025+), CA Measure ULA (2026 thresholds), WA REET tiered, HI conveyance tiers, FL doc stamp + intangible, TN/AL/OK/GA/VA/MN mortgage taxes, MD/DC first-time-buyer reductions, attorney closing fee in NY/NJ/MA/CT/SC/DE.

What it doesn't include: HOA transfer or capital-contribution fees, condo questionnaires, surveys outside TX, VA funding fee, USDA guarantee fee, rate-lock extensions, builder credits, or any seller-side closing costs other than transfer-tax informational rows.

Verify before you close. Rate tables were last verified in May 2026. State-level rates are stable but local add-ons and luxury-tier thresholds (CA ULA, WA REET) update annually. Always confirm with your title company or lender's Loan Estimate.