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Closing Cost Calculator

Buyer / Seller estimate (Indiana tax proration)

Buyer Inputs

$
$26,500.00 · Loan $238,500.00
$596.25
pts
%
Optional: tries latest 30-year national average. You can still edit the rate manually.
Years
$
Proration Due: $0.00
Estimates only. Fees can vary by lender/title company/county. For exact fees, contact your closing agent.

Monthly Payment

$2,468.52
Estimated (P&I + escrow + HOA)
P&I$1,449.15
Taxes$964.16
Insurance$55.21
HOA$0.00
Monthly
$2,468.52
P&I
Taxes
Insurance
HOA

Bring to Close

$37,545.51
Estimated cash needed at closing
Down Payment$26,500.00
Closing Costs$13,470.51
Tax Proration Due$0.00
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Close
$39,970.51
Down
Prepaids
Fixed
Points
$596.25
Title Fees (B+C)
$1,638.50
Recording Fees
$130.00
Prepaids
$2,317.84
Escrows
$837.92
Other (Broker/Misc/Proration)
$7,950.00
Key Closing Cost Components
English / မြန်မာ
  • Sales Price / Home Price — The agreed purchase price of the property.
  • Down Payment — Money paid upfront (Buyer). Reduces the loan amount.
  • Loan Amount — Sales price minus down payment.
  • Interest Rate — Annual rate used to estimate prepaid interest and payment.
  • Loan Term — Length of the loan in years.
  • Points — A % of the loan amount paid to buy down the rate (1 point = 1% of loan).
  • Title Fees — Fees charged by the title company (vary by company/county). Use “Calc Title Fees” to edit.
  • Recording Fees — County recording charges (deed/mortgage, etc.).
  • Prepaids — Upfront items paid at closing (commonly homeowner’s insurance + prepaid interest).
  • Initial Escrow Payment — Money collected to start the escrow account (taxes/insurance and other escrows).
  • Property Tax Proration — Tax amount owed/credited based on closing date (Indiana: typically May 10 / Nov 10 cycles).
  • Buyer Broker Fee — Compensation to the buyer’s broker (who pays can be Buyer or Seller).
  • Seller Concession — Seller credit to help buyer closing costs; reduces seller net and buyer cash-to-close.
  • Seller Net at Close — Sales price minus payoff, taxes/prorations owed, commissions, title fees, and other costs.
  • Estimate Notice — Final numbers depend on lender/title/county. For accuracy, request a fee sheet from the closing agent.