
The First-Time Buyer's Closing Kit
Closing day without surprises: documents, costs and checks.
List the fees you will meet at closing: lender, appraisal, inspection, title or legal, transfer tax, recording and prepaid items. Every line is editable.

Educational only. Arithmetic on the numbers you enter, not a quote or advice. Rules and costs differ by country and state; check your local rules.
Picked for what this calculator works out. Each one starts with a filled example.

Closing day without surprises: documents, costs and checks.

The steps between accepted offer and keys, and what can still go wrong.

Every cost of buying a home, and a savings plan to get there.


Budget, view, offer and close with the numbers and the steps in front of you.
Replace the example figures with yours. The result updates as you type.
The big number first, then the breakdown and the formula.
Use the guide and the spreadsheet below to act on the number.
Closing costs differ a lot by country, state and lender. Use this to prepare questions and compare your Loan Estimate or solicitor quote line by line.
The Home Buyer Bundle · $47
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FreeHome buyersCan I Afford This House?Monthly payment, share of income and a comfort band, formula shown.Open the tool
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FreeHome buyersCompare Two Mortgage OffersTwo loans side by side: monthly payment, fees and total cost over the years you keep it.Open the tool Yes. No sign-up, no email, and nothing you type leaves your browser.
No. It is arithmetic on the numbers you enter. Rules, rates and costs differ by country and state, so confirm figures with a licensed professional.
Yes. The formula sits under every result so you can check it or redo it by hand.
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