Free Closing Cost Calculator, No Signup

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This tool is free, with no email or login required. You can edit every listed buyer or seller field yourself. Results are a planning estimate, not a quote. Official lender, title, escrow, and closing documents control the final numbers.

What This Calculator Does

This free tool runs buyer or seller closing cost math using Washington-specific fields. Enter a sale price, loan details, or seller costs, and the fields you edit determine your total. No signup and no email are required to use it.

For the full walkthrough of every field and formula behind the totals, see the complete closing cost calculator guide.

Buyer Mode Fields

Buyer mode includes sale price, down payment, interest rate, prepaid interest, property tax and insurance reserves, lender fees, appraisal, third-party services, lender's title insurance, escrow fees, and recording fees. Each field is listed individually so you can see what makes up a buyer's total.

Seller Mode Fields

Seller mode includes sale price, local REET, brokerage compensation, owner's title insurance, escrow fees, recording fees, buyer concessions, and mortgage payoff. Editing local REET matters because rates differ by city and county within Washington.

For a narrower breakdown of buyer-only or seller-only fields, see the simple closing cost calculator for buyers or the simple closing cost calculator for sellers.

Understanding Washington REET Brackets

Washington's state real estate excise tax is graduated: 1.10% on the portion of a sale price up to $525,000, 1.28% on the portion from $525,000.01 to $1,525,000, 2.75% from $1,525,000.01 to $3,025,000, and 3.00% above $3,025,000. A $5 state technology fee applies per transfer, and local REET is added on top of the state rate.

Most Washington real property sales are subject to REET. The seller typically pays it, but if the seller doesn't, the buyer can become liable, and unpaid REET can attach as a lien against the property.

King County Recording Fees

King County recording fees are set by state law. Recording a Deed of Trust costs $304.50, plus $1 for each additional page. Most other recorded documents cost $303.50, plus $1 per additional page. These fees apply regardless of sale price and are separate from REET.

How Cash-to-Close Is Calculated

The CFPB defines cash to close as your down payment plus closing costs, minus deposit, seller credits, and other adjustments. Your Loan Estimate itemizes loan costs and shoppable services, and your Closing Disclosure is compared against it before closing. Lender credits can offset upfront costs but may raise your rate.

National Benchmarks vs Local Numbers

Zillow's public calculator cites national ranges: roughly 2% to 5% of sale price for buyer costs, and up to 8% to 10% for seller costs. These vary by location, loan type, price, and providers, and aren't Washington-specific. See our Zillow closing cost calculator breakdown, then use this tool for editable Washington fields.

Cash Buyer Scenarios

If you're paying cash, you can set down payment to 100% and zero out mortgage-only fields such as lender fees and prepaid interest. Title insurance, escrow fees, recording fees, insurance, property tax adjustments, and inspection-related services can still apply even without a loan. See the cash closing cost calculator for a dedicated walkthrough.

When Official Documents Control

Once you're under contract, your Loan Estimate and then your Closing Disclosure govern the actual numbers, not this tool. Buyers generally receive their Closing Disclosure at least three business days before a mortgage closing. Compare your calculator entries against those documents, and treat any difference as the official figure taking precedence.

Privacy And Access

No email address, password, or account is required to use this calculator. You can open the page and begin editing fields without registering for anything first.