Underwriting worksheet — No. 08

50-state closing cost calculator

What both sides actually pay at the settlement table, priced off the state you are closing in. Buyer cash to close on one line, seller net proceeds on the other.

Basis of estimate: State transfer tax, county recording averages, typical third-party fees
Leading measure: Total closing costs at settlement
Prepared by: Aldo Chandra, Philadelphia PA

Total closing costs

Transfer tax is set by statute. Everything else is a quoted fee, so it moves. Change the state and the whole statement below restates.

Supporting measureAt closing

Buyer side total --

Cash to close-- --

Seller side total --

Seller net proceeds-- --

Transaction

Adjust any line; every figure on this page restates immediately.

Property and price

Line itemAssumption

State of closing

Sale price $

Position

Line itemAssumption

All cash purchase

Loan amount $

Down payment: $50,000 (20.0%)

Fee assumptions

Defaults are national averages. Replace them with your quotes as they come in.

Seller side

Line itemAssumption

Commission %

Seller attorney fee $

Buyer side

Line itemAssumption

Appraisal fee $

Loan origination %

Escrow deposit mo

Third-party fees

Line itemAssumption

Title search fee $

Home inspection $

Survey fee $

Buyer attorney fee $

Payoffs and encumbrances

Line itemAssumption

Mortgage payoff $

HOA transfer fee $

Outstanding liens $

Attorney required at closing

Transfer tax

All 50 states plus the District of Columbia. Recording fees are typical county averages.

State	Transfer tax rule	Attorney	Recording

These are estimates for planning only. Actual closing costs move with your county, lender, title company, and contract terms, and this tool is not tax, legal, or investment advice. Get a written estimate from your closing agent before you commit to a number.

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