{"id":11034,"date":"2025-10-30T17:16:03","date_gmt":"2025-10-30T17:16:03","guid":{"rendered":"https:\/\/griffinfunding.com\/?p=11034"},"modified":"2026-05-29T20:05:05","modified_gmt":"2026-05-29T20:05:05","slug":"closing-cost-calculator","status":"publish","type":"post","link":"https:\/\/griffinfunding.com\/blog\/mortgage\/closing-cost-calculator\/","title":{"rendered":"Closing Cost Calculator"},"content":{"rendered":"<h2><span style=\"font-weight: 400;\">Closing Cost Calculator<\/span><\/h2>\n\t<div id=\"clcs-calculator\" class=\"clcs-calculator\">\n\n\t\t<!-- Header -->\n    \t<div class=\"clcs-header\">\n      \t\t<span class=\"clcs-header-title\">Closing Costs Calculator<\/span>\n    \t<\/div>\n\n\t\t<!-- Main Content -->\n    \t<div class=\"clcs-content\">\n\n\t\t\t<!-- Inputs -->\n\t\t\t<div class=\"clcs-container clcs-form\">\n\t\t\t\t<div class=\"clcs-section-wrap\">\n\n\t\t\t\t\t<div class=\"clcs-form-section\">\n\n\t\t\t\t\t\t<span class=\"clcs-section-title\">Inputs<\/span>\n\n\t\t\t\t\t\t<div class=\"clcs-input-group\">\n\t\t\t\t\t\t\t<label for=\"clcs-home-price\">Home price<\/label>\n\t\t\t\t\t\t\t<div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t\t\t<input type=\"tel\" id=\"clcs-home-price\" name=\"clcs-home-price\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t\t\t<span>$<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"clcs-input-group clcs-input-group--multi\">\n\t\t\t\t\t\t\t<label for=\"clcs-down-payment\">Down payment<\/label>\n\t\t\t\t\t\t\t<div class=\"clcs-multi-input-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t\t\t\t<input type=\"tel\" name=\"clcs-down-payment\" id=\"clcs-down-payment\" min=\"0\" max=\"1000000000\" placeholder=\" \">\n\t\t\t\t\t\t\t\t\t<span>$<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<div class=\"clcs-input-wrap clcs-right-placeholder\">\n\t\t\t\t\t\t\t\t\t<input type=\"tel\" name=\"clcs-down-payment-prc\" id=\"clcs-down-payment-prc\" min=\"0\" max=\"99\" placeholder=\" \">\n\t\t\t\t\t\t\t\t\t<span>%<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"clcs-input-group\">\n\t\t\t\t\t\t\t<label for=\"clcs-interest-rate\">Interest rate<\/label>\n\t\t\t\t\t\t\t<div class=\"clcs-input-wrap clcs-right-placeholder\">\n\t\t\t\t\t\t\t\t<input type=\"tel\" id=\"clcs-interest-rate\" name=\"clcs-interest-rate\" min=\"0\" max=\"100\" placeholder=\" \">\n\t\t\t\t\t\t\t\t<span>%<\/span>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t<div class=\"clcs-input-group\">\n\t\t\t\t\t\t\t<label for=\"clcs-discount-points\">Discount points<\/label>\n\t\t\t\t\t\t\t\t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">A discount point costs 1% of the loan amount at closing and each discount point lowers the borrower&#039;s interest rate by 0.25%.<\/span>\n\t<\/div>  \t\t\t\t\t\t\t<div class=\"clcs-input-wrap clcs-select-wrap\">\n\t\t\t\t\t\t\t\t<select name=\"clcs-discount-points\" id=\"clcs-discount-points\">\n\t\t\t\t\t\t\t\t\t<option value=\"0\">No<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"1\">Yes, 1 point<\/option>\n\t\t\t\t\t\t\t\t\t<option value=\"2\">Yes, 2 points<\/option>\n\t\t\t\t\t\t\t\t<\/select>\n\t\t\t\t\t\t\t\t<svg class=\"custom-arrow\" width=\"20\" height=\"20\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"currentColor\" focusable=\"false\">\n\t\t\t\t\t\t\t\t\t<path d=\"M3 6l5 5 5-5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n\t\t\t\t\t\t\t\t<\/svg>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<!-- Submit -->\n        \t\t\t<div class=\"clcs-button-group\">\n\t\t\t\t\t\t<div class=\"clcs-buttons-wrap\">\n          \t\t\t\t\t<button type=\"button\" class=\"clcs-btn clcs-calculate\" disabled>Calculate<\/button>\n\t\t\t\t\t\t<\/div>\n        \t\t\t<\/div>\n\n\t\t\t\t<\/div>\n      \t\t<\/div>\n\n\t\t\t<!-- Results -->\n      \t\t<div class=\"clcs-container clcs-results\">\n\n\t\t        <!-- Summary -->\n\t\t\t\t<div class=\"clcs-section-wrap\">\n\t\t\t\t\t<span class=\"clcs-section-title\">Results<\/span>\n\t\t\t\t\t<div class=\"clcs-result-section clcs-result-section-summary\">\n\t\t\t\t\t\t<div class=\"clcs-result-summary\">\n\t\t\t\t\t\t\t<div class=\"clcs-summary-title\">Your total estimated closing costs could be:<\/div>\n\t\t\t\t\t\t\t<div class=\"clcs-summary-value clcs-result__closing-costs-amount\">$XX,XXX<\/div>\n\t\t\t\t\t\t\t<div class=\"clcs-summary-desc\"> Closing costs would be <span class=\"clcs-result__closing-costs-prc\">X.X%<\/span> of your purchase price. Get a more accurate closing cost estimate by adjusting fees to fit your situation.\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t        <!-- Breakdown chart -->\n\t\t        <div class=\"clcs-section-wrap\">\n\t\t\t        <div class=\"clcs-result-section clcs-result-section-breakdown-chart\">\n\t\t\t\t        <div class=\"clcs-breakdown-chart-wrap\">\n\t\t\t\t\t        <canvas id=\"clcs-breakdown-chart\"><\/canvas>\n\t\t\t\t\t        <div class=\"clcs-breakdown-chart-info\">\n\t\t\t\t\t\t        <div class=\"clcs-breakdown-chart-desc\">\n\t\t\t\t\t\t\t        Total\t\t\t\t\t\t        <\/div>\n\t\t\t\t\t\t        <div class=\"clcs-breakdown-chart-total\">\n\t\t\t\t\t\t\t        $XX,XXX\n\t\t\t\t\t\t        <\/div>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t        <\/div>\n\t\t        <\/div>\n\n\t\t        <!-- Breakdown -->\n\t\t        <div class=\"clcs-section-wrap\">\n\n\t\t\t        <div class=\"clcs-toggle-section-wrap\">\n\t\t\t\t        <a href=\"#\" class=\"clcs-toggle-section-button\"> Show breakdown of costs\t\t\t\t\t        <svg class=\"custom-arrow\" width=\"20\" height=\"20\" viewBox=\"0 0 16 16\" aria-hidden=\"true\" fill=\"currentColor\" focusable=\"false\">\n\t\t\t\t\t\t        <path d=\"M3 6l5 5 5-5\" fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path>\n\t\t\t\t\t        <\/svg>\n\t\t\t\t        <\/a>\n\t\t\t        <\/div>\n\n\t\t\t        <div class=\"clcs-result-section clcs-result-section-breakdown clcs-result-section-breakdown-toggled\">\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-origination-fee\">Origination fee<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">A lender fee for processing and creating your loan.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-origination-fee\" name=\"clcs-origination-fee\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-appraisal-fees\">Appraisal fees<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Cost of having a professional assess the home\u2019s market value.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-appraisal-fees\" name=\"clcs-appraisal-fees\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-title-fees\">Title fees<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Charges for verifying and insuring the home\u2019s legal ownership.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-title-fees\" name=\"clcs-title-fees\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-attorney-fees\">Attorney fees<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Legal fees for reviewing or handling the home closing paperwork (required in some states).<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-attorney-fees\" name=\"clcs-attorney-fees\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-recording-fees\">Recording fees<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Fees paid to your local government to officially record the property purchase.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-recording-fees\" name=\"clcs-recording-fees\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-inspection-fees\">Inspection fees<\/label> \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Cost for a home inspection to assess the property&#039;s condition before purchase.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-inspection-fees\" name=\"clcs-inspection-fees\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-homeowners-insurance\">Homeowners insurance<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Insurance that protects your home against damage or loss. Typically required before closing.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-homeowners-insurance\" name=\"clcs-homeowners-insurance\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-property-taxes\">Property taxes<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Estimated local property taxes, typically paid upfront for a portion of the year.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-property-taxes\" name=\"clcs-property-taxes\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-prepaid-interest\">Prepaid interest<\/label>  \t<div class=\"clcs-input-tooltip\">\n\t\t<svg class=\"clcs-tooltip-icon\" width=\"15\" height=\"15\" viewBox=\"0 0 15 15\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n\t\t\t<path d=\"M2.19657 2.19657C-0.73219 5.12533 -0.73219 9.87467 2.19657 12.8034C5.12533 15.7322 9.87467 15.7322 12.8034 12.8034C15.7322 9.87467 15.7322 5.12533 12.8034 2.19657C9.87467 -0.73219 5.12533 -0.73219 2.19657 2.19657Z\" fill=\"#7F7A7E\"\/><path d=\"M7.50893 2.64722C8.23915 2.64722 8.82333 3.24552 8.82333 3.97075C8.82333 4.69597 8.22089 5.29428 7.50893 5.29428C6.7787 5.29428 6.17627 4.69597 6.17627 3.95262C6.17627 3.22739 6.7787 2.64722 7.50893 2.64722Z\" fill=\"white\"\/><path d=\"M9.69551 12.0907C9.6596 12.2051 9.58778 12.3387 9.51596 12.415C9.04912 12.9301 8.47455 13.2353 7.79225 13.2353C7.46905 13.2353 7.16381 13.2353 6.84061 13.1781C6.31991 13.1018 5.65556 12.415 5.74534 11.69C5.81716 11.194 5.88898 10.698 5.9608 10.202C6.10445 9.34345 6.24809 8.46586 6.39173 7.60736C6.39173 7.55012 6.40969 7.49289 6.40969 7.43565C6.40969 7.07317 6.30195 6.93963 5.9608 6.90147C5.81716 6.8824 5.67352 6.86332 5.52987 6.82516C5.36828 6.76793 5.2785 6.61531 5.29646 6.48176C5.31441 6.32914 5.40419 6.23375 5.58374 6.19559C5.67352 6.17651 5.78125 6.17651 5.88898 6.17651C6.284 6.17651 6.67902 6.17651 7.09199 6.17651C7.52292 6.17651 7.93589 6.17651 8.36682 6.17651C8.67206 6.17651 8.85161 6.32914 8.85161 6.65346C8.85161 6.92055 8.8157 7.18764 8.76184 7.45473C8.60024 8.44678 8.42068 9.41976 8.25909 10.4118C8.20522 10.7361 8.1334 11.0605 8.09749 11.3848C8.07953 11.5374 8.09749 11.7091 8.1334 11.8617C8.18727 12.0716 8.33091 12.1861 8.52842 12.167C8.69001 12.1479 8.85161 12.0907 9.01321 12.0144C9.1389 11.9571 9.24663 11.8617 9.37232 11.8236C9.58778 11.7473 9.74938 11.8808 9.69551 12.0907Z\" fill=\"white\"\/>\n\t\t<\/svg>\n\t\t<span class=\"clcs-tooltip-text\">Interest charged from the closing date until your first mortgage payment.<\/span>\n\t<\/div>  \t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-prepaid-interest\" name=\"clcs-prepaid-interest\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\t\t\t\t        <div class=\"clcs-input-group\">\n\t\t\t\t\t        <label for=\"clcs-discount-amount\">Discount points<\/label>\n\t\t\t\t\t        <div class=\"clcs-input-wrap\">\n\t\t\t\t\t\t        <input type=\"tel\" id=\"clcs-discount-amount\" name=\"clcs-discount-amount\" min=\"0\" max=\"10000000\" placeholder=\" \">\n\t\t\t\t\t\t        <span>$<\/span>\n\t\t\t\t\t        <\/div>\n\t\t\t\t        <\/div>\n\n\t\t\t        <\/div>\n\t\t        <\/div>\n\n      \t\t<\/div>\n\n    \t<\/div>\n\n\t<\/div>  \n<h2><span style=\"font-weight: 400;\">What Are Closing Costs?<\/span><\/h2>\n<p><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/how-much-are-closing-costs\/\"><span style=\"font-weight: 400;\">Closing costs<\/span><\/a><span style=\"font-weight: 400;\"> are the collection of fees and expenses paid at the end of a real estate transaction. They include both lender charges and third-party service fees, which are essential for completing the loan and transferring property ownership. Typical closing costs include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Loan origination and underwriting fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appraisal and home inspection fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Attorney and recording fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepaid interest, property taxes, and homeowners insurance<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Title insurance and escrow fees<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While some of these fees are fixed, others vary based on your home price, loan type, and location. It\u2019s essential to understand each one so you\u2019re not caught off guard.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How Much Are Closing Costs?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing how much closing costs are will help you determine your next step in homebuying. On average, closing costs typically range from 2% to 5% of your home\u2019s purchase price.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">So if you\u2019re purchasing a $400,000 home, your closing fees may fall between $8,000 and $20,000. The actual amount you pay depends on several variables, including your lender, the type of loan, and the location of the property.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s a sample estimate for a $400,000 purchase:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cost Item \/ <\/span><b>Estimated Amount<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Underwriting + Origination + Processing + Lender Fees: <\/span><b>$4,000<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Appraisal + Inspection: <\/span><b>$600<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Title + Escrow Services: <\/span><b>$2,500<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Property Taxes (2 mo.): <\/span><b>$1,200<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Homeowners Insurance (1 yr.): <\/span><b>$1,200<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prepaid Interest: <\/span><b>$300<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Recording + Attorney Fees: <\/span><b>$500<\/b><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Total Estimate:<\/span><b> $10,300<\/b><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Keep in mind that this is just a general example. In some high-cost areas, you may face additional fees like transfer taxes or attorney reviews, which can push your total higher. Conversely, some states have more buyer-friendly fee structures or lower tax burdens that can bring your total down.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Your loan type also plays a role. For example, VA and FHA loans include specific costs, such as funding fees or upfront mortgage insurance premiums. Additionally, the size of your down payment can influence how much you\u2019ll need in escrow reserves for taxes and insurance.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to Calculate Closing Costs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Knowing how to calculate your closing costs is as simple as adding up three main types of expenses:<\/span><b><\/b><\/p>\n<ol>\n<li aria-level=\"1\"><b>Lender fees, <\/b><span style=\"font-weight: 400;\">which include<\/span> <span style=\"font-weight: 400;\">origination fees, underwriting, and credit report processing.<\/span><\/li>\n<li aria-level=\"1\"><b>Third-party charges,<\/b><span style=\"font-weight: 400;\"> such as appraisal, home inspection, title search, and insurance.<\/span><\/li>\n<li aria-level=\"1\"><b>Prepaid items include<\/b><span style=\"font-weight: 400;\"> homeowners insurance, property taxes, and prepaid interest.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Manually totaling these amounts gives you a rough estimate of your closing costs. However, using Griffin Funding\u2019s closing cost estimator can help you save time and improve accuracy, especially if you\u2019re comparing loan options. For VA loans, review our guide to<\/span><a href=\"https:\/\/griffinfunding.com\/blog\/va-loans\/va-loan-closing-costs\/\"> <span style=\"font-weight: 400;\">VA loan closing costs<\/span><\/a><span style=\"font-weight: 400;\"> to see how benefits differ.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What Factors Affect Your Closing Cost Estimate?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">S<\/span><span style=\"font-weight: 400;\">everal variables can influence your final closing costs:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property location<\/b><span style=\"font-weight: 400;\">: Some states, like Texas and Florida, have no income tax but higher property taxes. Other states, such as New York, require attorney involvement, which can increase your legal fees. On one hand, <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/is-property-tax-deductible\/\"><span style=\"font-weight: 400;\">property tax deductions <\/span><\/a><span style=\"font-weight: 400;\">are another element to consider.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Loan type and size<\/b><span style=\"font-weight: 400;\">: VA, FHA, and jumbo loans have unique fee structures. Larger loans may require higher appraisal or title fees.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Purchase price and down payment<\/b><span style=\"font-weight: 400;\">: A bigger loan amount typically means more taxes and insurance, but a higher down payment could reduce your escrow requirements.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buyer vs. seller contributions<\/b><span style=\"font-weight: 400;\">: In a competitive market, buyers typically cover the majority of costs. In slower markets, sellers may be willing to offer concessions to close the deal.<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Typical Closing Costs Explained<\/span><\/h2>\n<p><span style=\"font-weight: 400;\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-11036\" src=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1.jpg\" alt=\"A house key in the lock of an open door leading to a living room.\" width=\"1999\" height=\"1066\" srcset=\"https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1.jpg 1999w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1-300x160.jpg 300w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1-1024x546.jpg 1024w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1-768x410.jpg 768w, https:\/\/griffinfunding.com\/wp-content\/uploads\/2025\/10\/image2-1-1536x819.jpg 1536w\" sizes=\"auto, (max-width: 1999px) 100vw, 1999px\" \/><\/span><\/p>\n<p><span style=\"font-weight: 400;\">Each closing cost will be itemized in your Closing Disclosure before your final signing appointment. Before waiting until then to understand the pricing, here\u2019s a more detailed look at the most common charges:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Discount points<\/b><span style=\"font-weight: 400;\">: Optional fees you can pay upfront to lower your mortgage rate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Origination fee<\/b><span style=\"font-weight: 400;\">: A flat charge (often 0.5%\u20131%) for processing the loan<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Appraisal fee<\/b><span style=\"font-weight: 400;\">: Required by lenders to confirm property value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/house-title\/\"><b>Title fees<\/b><\/a><span style=\"font-weight: 400;\">: Covers the title search, title insurance, and settlement services<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Attorney fees<\/b><span style=\"font-weight: 400;\">: Required in some states for legal review of the transaction<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Recording fees<\/b><span style=\"font-weight: 400;\">: Paid to the local clerk to record your deed and mortgage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Inspection fees<\/b><span style=\"font-weight: 400;\">: May include home, pest, and roof inspections<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Homeowners insurance<\/b><span style=\"font-weight: 400;\">: Usually paid for the first 12 months at closing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Property taxes<\/b><span style=\"font-weight: 400;\">: Often collected upfront for escrow purposes. These are typically charged as <\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/property-tax-by-state\/\"><span style=\"font-weight: 400;\">property taxes by the state<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepaid interest<\/b><span style=\"font-weight: 400;\">: Covers daily interest from the closing date to month\u2019s end<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">Tips to Save on Closing Costs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Closing costs aren\u2019t entirely fixed, and with a bit of strategy, you can reduce what you owe at the closing table. Here are several effective ways to lower your out-of-pocket expenses:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shop around<\/b><span style=\"font-weight: 400;\">: Compare quotes from different title companies, home insurance providers, and settlement services to find the best rates.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Negotiate lender fees<\/b><span style=\"font-weight: 400;\">: Ask your lender if origination, underwriting, or application fees can be reduced or waived.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Request lender credits<\/b><span style=\"font-weight: 400;\">: Some lenders allow you to accept a slightly higher interest rate in exchange for a credit that offsets closing costs.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Seek seller concessions<\/b><span style=\"font-weight: 400;\">: In a buyer\u2019s market, sellers may agree to cover part or all of your closing fees to help close the deal.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Use grants or assistance programs<\/b><span style=\"font-weight: 400;\">: Many state, local, or nonprofit programs offer financial help to first-time or low-to-moderate-income buyers.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The<\/span><a href=\"https:\/\/gold.griffinfunding.com\/pfm\/registration\/invite?key=1c204fd9-839b-4775-aed1-9844766b60a6\"> <span style=\"font-weight: 400;\">Griffin Gold app<\/span><\/a><span style=\"font-weight: 400;\"> offers a centralized hub for managing estimates, comparing fees, using smart tools like our closing cost calculator for buyers.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Compare Your Mortgage Options<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Not all home loans are created equal, and neither are their closing costs. Choosing the right mortgage can save you thousands of dollars over time, not just in interest, but also in upfront fees like origination charges, mortgage insurance, and escrow reserves. Griffin Funding offers a full suite of solutions tailored to diverse financial needs, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Conventional loans<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Non-QM options for self-employed borrowers<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">VA loans for eligible military members<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FHA loans with low down payment options<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Our loan officers provide one-on-one support while our digital tools streamline the process, giving you real-time insights into rates, costs, and savings. Whether you\u2019re refinancing or purchasing your first home, Griffin Funding helps you make informed decisions. Plus, our expert analysis of the<\/span><a href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/housing-market-under-trump\/\"> <span style=\"font-weight: 400;\">housing market<\/span><\/a><span style=\"font-weight: 400;\"> enables you to choose the right time to buy.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ready to begin your homeownership journey? Reach out or <a href=\"#popmake-6804\">get started online<\/a> today!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Closing Cost Calculator What Are Closing Costs? Closing costs are the collection of fees and expenses paid at the end of a real estate transaction. They include both lender charges and third-party service fees, which are essential for completing the loan and transferring property ownership. Typical closing costs include: Loan origination and underwriting fees Appraisal<a class=\"moretag\" href=\"https:\/\/griffinfunding.com\/blog\/mortgage\/closing-cost-calculator\/\">&#8230;<\/a><\/p>\n","protected":false},"author":2,"featured_media":11035,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","inline_featured_image":false,"footnotes":""},"categories":[100],"tags":[],"class_list":["post-11034","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mortgage"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.0 (Yoast SEO v28.0) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Closing Cost Calculator | Griffin Funding<\/title>\n<meta name=\"description\" content=\"Estimate your mortgage closing costs in minutes with our free closing cost calculator. 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