REALTOR® Tool

Buyer Closing Costs

Estimate everything your buyer brings to the closing table. Lender fees, title services, prepaids, and escrow setup — sectioned to match a Texas Closing Disclosure so the line items are familiar to the lender. Surfaces total cash-to-close after credits.

Loan basics

Home price

Down payment

$90,000Interest rate

Annual insurance

Annual property tax

Estimated closing date14 day(s) prepaid interest

A — Origination

Origination

Discount points

Other lender fees

B — Services

Appraisal

Credit report

Lender's title policy

TX promulgated rate (low)Title services / endorsements

C — Taxes & Gov't

Recording fees

E — Prepaids

Insurance months prepaid

Usually 12

Prepaid interest computed from closing date
$932.05 · 14 day(s)

F — Escrow Setup

Insurance months in escrow

Usually 2–3Tax months in escrow

Usually 2–3

Credits

Seller credit

Lender credit

Earnest money

Estimated Cash to Close

$96,020

Loan $360,000 · DP $90,000

A — Origination

Origination$3,600.00

Discount points$0.00

Other lender fees$1,200.00

B — Services

Appraisal$600.00

Credit report$75.00

Lender's title policy$150.00

Title services$450.00

C — Taxes

Recording fees$150.00

E — Prepaids

Prepaid interest (14d)$932.05

Insurance prepaid$1,575.00

F — Escrow

Insurance in escrow$262.50

Tax in escrow$2,025.00

Total closing costs$11,020

+ Down payment$90,000

− Credits & earnest−$5,000

Cash to close$96,020

Estimate only. Final numbers come from the lender's Loan Estimate / Closing Disclosure.

Estimates only. Lender fees, title rates, and prepaid amounts vary by lender, loan program (Conventional, FHA, VA), property, and timing. Confirm with the lender's Loan Estimate before relying on these figures.