Washington Closing Cost Calculator
Edit real numbers to see your buyer or seller estimate.
Direct answer
This calculator has two modes. Buyer mode shows your cash to close. Seller mode shows your net proceeds after Kirkland, Bellevue, or King County closing costs. You enter your own numbers. Brokerage compensation and local REET are both editable. This gives you a planning estimate, not a lender, title, escrow, tax, or legal quote.
Two Calculator Modes: Buyer or Seller
Buyer mode covers price, down payment, rate, prepaid interest, property tax, insurance, lender fees, appraisal, title, escrow, and recording. Seller mode covers sale price, local REET, brokerage compensation, title insurance, escrow, recording, concessions, and payoff. Try the buyer calculator or seller calculator.
Closing Costs vs. Cash to Close vs. Net Proceeds
Closing costs are the fees you pay to close, like title, escrow, and lender charges. Cash to close is what a buyer wires in, after down payment and credits. Net proceeds is what a seller keeps, after payoff, commission, and closing costs. Each number answers a different question.
Why Washington Math Is Different
Washington math centers on REET, not a flat closing cost percent. State REET brackets rise as price goes up. Kirkland and Bellevue add a local rate on top. The calculator currently sets this local rate at an editable half percent. National calculators skip this local layer. See the full Washington breakdown for every bracket.
King County Recording Fees
Recording charges are just one line inside closing costs, not the whole total. King County currently lists a Deed of Trust charge of $304.50, plus $1 per extra page. Most other documents cost $303.50, plus $1 per extra page. Always check the live fee schedule before you close.
No Email Required to Explore Numbers
You can run either calculator without an email, login, or form. It is a planning tool, not a lender, title, escrow, tax, or legal quote. Once your numbers look real, talk to a licensed agent. That is the next step, not another form field.
Washington transaction math
Washington Closing Cost Calculator
Enter your own numbers. Every field is a starting estimate you can edit. Rate, property tax, and insurance stay blank until you enter them, because we never guess your numbers.
Questions
Clear answers first. If one question changes the deal, bring it into the review before you move money.
Which calculator mode should I use?+
Use buyer mode if you are purchasing and want your cash to close. Use seller mode if you are selling and want your net proceeds. If you are doing both, a purchase and a sale, run both calculators and compare the results side by side.
What inputs should I gather before I start?+
For buyer mode, gather the purchase price, down payment, rate, property tax, and insurance estimate. For seller mode, gather the sale price, loan payoff amount, and any brokerage compensation you have agreed on. Real numbers, not guesses, give you a better estimate.
Why does a Washington calculator differ from a national one?+
Washington uses REET, a tiered tax on the sale price, instead of a flat transfer tax. Brackets change at set price points. Cities like Kirkland and Bellevue add a local rate too. A national calculator built for a flat-rate state will get this wrong.
Is the calculator result a quote?+
No. It is an editable planning estimate. Your real numbers come from your lender's Loan Estimate and Closing Disclosure, or your escrow company's settlement statement. Treat the calculator as a starting point for questions, not a final figure to trust at closing.
How do King County recording fees enter the estimate?+
Recording charges are one editable line, not the whole total. King County currently lists a Deed of Trust fee of $304.50, plus $1 per extra page. The calculator lets you adjust this line as the county updates its fee schedule.
When should I switch from calculator to official documents?+
Switch once you have a signed purchase agreement and a lender file. Compare your calculator numbers to the Loan Estimate first, then the Closing Disclosure. The Closing Disclosure arrives at least three business days before closing. Your final numbers appear on the settlement statement at signing.
Next step
Run buyer mode, seller mode, or both. See your numbers before you commit to a Washington closing. When you are ready to talk about your address, timeline, or price, book a real estate review. Book a Real Estate Review
Book a Real Estate ReviewNext steps
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Washington Buyer Closing Costs Explained
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