Buyer planning tool
California buyer closing cost calculator
Estimate the down payment, transaction costs, prepaids, reserves, and remaining funds you may need after your deposit.
Estimate cash needed at closing
Helpful answers
Buyer closing cost questions
What is included in buyer closing costs?
Buyer costs can include lender charges, appraisal, title and escrow charges, recording, prepaid interest, homeowners insurance, tax reserves, and property-specific inspections. The exact allocation depends on the contract and loan.
Is the deposit an additional closing cost?
The deposit is generally credited toward the buyer's required funds at closing rather than added on top. Escrow and your lender provide the final accounting.
Does this include the down payment?
Yes. The calculator combines the down payment, estimated closing costs, and prepaids, then subtracts the deposit already paid to estimate remaining cash.
Can a seller contribute toward buyer costs?
A seller contribution may be negotiated, subject to the purchase agreement and loan-program limits. Ask your lender how a proposed credit would apply in your transaction.