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Closing Costs Calculator
Title insurance, transfer tax, lender fees, prepaids — by state.
Buyer closing costs typically run 2–5% of the home price. The breakdown varies dramatically by state: NY collects mortgage recording tax (~1.25%); FL has documentary stamp tax ($0.35/$100); NJ realty transfer fee starts at $2/$500. ValiFit's closing costs calculator estimates each line item using state-specific filings and the federal RESPA-required Loan Estimate format.
Estimate closing costs for a real listingInputs
- Home price
- State
- Loan amount
- Property tax rate
- Closing month (for tax/insurance prepaid)
- Buyer agent fee (if any)
Outputs
- Title insurance
- Recording / transfer tax
- Lender origination fees
- Appraisal + inspection
- Prepaid taxes & insurance
- Total cash to close
- Cash-to-close as % of price
Formula
Sum of state-specific line items. Title insurance ≈ 0.5–1.0% of loan; recording/transfer tax varies by state; prepaids = months × monthly cost.
Federal Sources
ValiFit pulls these federal sources directly. We do not invent rates, fees, or limits — they come from the source agency.
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