Mortgage Closing Cost Calculator
Estimate lender, title, settlement, prepaid, and other closing costs plus total cash to close.
Verify this calculatorVerified
See what the result uses—and what it cannot know.
Sumvoro calculates deterministically from the visible inputs. It does not invent lender terms, local rules, market values, medical facts, or professional judgments.
- 1 · InputsCheck every entered value against the latest statement, quote, measurement, or official source.
- 2 · Formula
Cash to close = down payment + lender costs + title and settlement costs + prepaids + other entered costs. - 3 · SensitivityUse Insights to run a lower and higher case. If the conclusion changes easily, collect better information or leave more margin.
- 4 · ScopeThis tool is maintained and covered by automated calculation tests. Provider timing, rounding, and omitted facts can still change a real-world result.
- Formula release
- 2026.10-r4
- Release date
- October 10, 2026
- Review status
- Verified
- Source review
- September 12, 2026
Mortgage Closing Cost calculator
Cash to close combines down payment, costs, and prepaids, reduced by deposits and valid credits.
- Use the latest loan estimate.
- Separate prepaids from fees.
- Preserve post-closing reserves.
Optional readingLearn how this calculator works
How the mortgage closing cost calculator works
Estimate lender, title, settlement, prepaid, and other closing costs plus total cash to close.
Cash to close = down payment + lender costs + title and settlement costs + prepaids + other entered costs.
Read our calculation methodology and limitations.
Example
Change the realistic default assumptions to compare a scenario that matches your quote, budget, or decision.
What affects the result
- Results depend on the assumptions entered.
- Fees, rules, and market conditions can vary.
- Confirm important figures with the relevant official document or professional.
Helpful guides
Frequently asked questions
Is this result exact?
No. It is a planning estimate based on the values and assumptions you enter.
Can I compare alternatives?
Yes. Capture up to three named scenarios and review them side by side.