Simple Closing Cost Calculator for Buyers
See your closing costs before you offer on an Eastside or King County home.
Direct answer
This calculator works in buyer mode. Type in your price, down payment, rate, and fees. It shows your closing costs and cash to close. You do not need an email or login. This is a planning tool, not a loan or title quote.
What the calculator asks for
Enter your price, down payment, and interest rate. Add prepaid interest days, yearly property tax, and home insurance. Include reserve months, lender fees, appraisal cost, and service fees. Add title rate, escrow, recording fees, and any credits. The tool adds these up to show your total closing costs and cash to close.
Purchase price sets your loan amount
Your price and down payment set your loan amount. A bigger down payment means a smaller loan. That often lowers fees tied to loan size. The calculator updates right away when you change a number.
Lender fees, appraisal, and title
Lender fees, the appraisal, and title insurance are listed on their own. Your Loan Estimate shows which fees you can shop for. Compare quotes from different lenders and title companies before you close.
Escrow and King County recording fees
Escrow and recording charges show up on their own, apart from lender fees. King County's published fee for a Deed of Trust is $304.50, plus $1 for each extra page. Check the live fee schedule, since this covers recording only, not your whole closing cost.
Prepaid interest and reserves
Your closing date changes your prepaid interest. Interest builds up for each day between closing and month end. A closing date near the end of the month usually means fewer prepaid days. Reserve months fund your escrow account for future tax and insurance bills.
Credits reduce your cash to close
Seller credits and lender credits lower the cash you bring to closing. Lender credits usually come with a higher rate. The calculator subtracts all credits before it shows your final cash to close.
Compare your Loan Estimate and Closing Disclosure
Your Loan Estimate shows which services you can shop for. Your Closing Disclosure arrives at least three business days before closing. Compare both papers against your calculator estimate. Flag any number that changed. For the full statewide breakdown, see the closing cost estimator.
King County closing costs, and how this compares
For a full King County buyer breakdown, read how much closing costs run for buyers in King County. Many Eastside buyers use a two to three percent range to plan. Trust your calculator result for your own loan.
Ready to see your numbers
Run your own numbers in the buyer calculator. Or browse Eastside homes while you plan. Then book a review to go over your numbers before you write an offer.
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.
Down payment versus closing costs: what's the difference?+
Your down payment is money you put toward the home price. Closing costs are separate fees for the loan, title, escrow, and recording. The calculator lists both, so you see the total cash you need, not just your down payment.
Does earnest money count toward closing costs?+
Earnest money is a deposit that shows you are serious about your offer. It usually goes toward your down payment or closing costs at closing. It is not an extra cost on top of what this calculator shows.
Why does my closing date change prepaid interest?+
Lenders collect interest for each day between your closing date and the end of that month. A closing date early in the month means more prepaid days. A date near month end usually means fewer days. This can shift your cash to close.
What is the King County deed-of-trust recording fee?+
King County's published fee to record a Deed of Trust is $304.50, plus $1 for each extra page. Recording fees are only one part of your closing costs. Always check the live county fee schedule before you close.
How do lender credits affect my interest rate?+
A lender credit lowers your closing costs but usually raises your interest rate. A lower rate with no credit often means more upfront cash. Run both choices in the calculator to compare your total cost over time.
Which Loan Estimate services can I shop for?+
Your Loan Estimate lists the services you are allowed to shop for. It separates those services from fixed lender fees. Review that list before you pick a title company or escrow provider, so you compare real quotes, not guesses.
Next step
Open the calculator, type in your numbers, and see your real cash to close. Then book a short review with Aditya to check your numbers before you write an offer on an Eastside home. Book a Real Estate Review
Book a Real Estate ReviewNext steps
Keep moving forward
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