Closing-cost estimates vary materially by property, program, lender, taxes, insurance and third-party charges.
Plan the upfront cash
All calculators
Estimate more than the down payment.
Estimate down payment, loan amount, closing costs and optional reserves to create a broader cash-to-close planning figure.
Market contextNational 30-year average6.66%As of Jul 30, 2026
This Freddie Mac survey average is used only as a starting assumption where shown. It is not an HMCO offered rate.
View official source ↗Read the result carefully
What this estimate leaves open.
A calculator is best used to test assumptions—not predict an approval or final closing disclosure. Review these considerations before relying on the result.
Seller, lender or assistance credits may be limited and must meet program requirements.
Earnest money and prepaid items can affect the final amount due.