File Updated
Settlement statement
Closing Cost Calculator
Closing costs are the debit lines on a settlement statement, and who pays each one depends on the state and the contract. Choose buyer or seller, then replace each estimate with the quote or figure from your lender, title company, recorder, or contract.
Build the statement
Reconcile the closing statement
Buyer
Cash is a reconciliation
Down payment, deposit, credits, and editable fee lines are shown separately so the same money is not counted twice.
Seller
Proceeds are different
Commission and payoff assumptions reduce proceeds, but they are not buyer cash to close.
Sources
Bring the documents
Use the CFPB Closing Disclosure guidance for the vocabulary, then replace estimates with your lender, title, recorder, and contract figures.
Closing cost questions by state
Each state page provides its own supported tax, recording or title calculation, required local inputs, worked examples and primary sources. Choose the property’s state to start.
- AlabamaTransfer tax
- AlaskaRecording fees
- ArizonaRecording fees
- ArkansasTransfer tax
- CaliforniaTransfer tax
- ColoradoTransfer tax
- ConnecticutTransfer tax
- DelawareTransfer tax
- FloridaTransfer tax
- GeorgiaTransfer tax
- HawaiiTransfer tax
- IdahoRecording fees
- IllinoisTransfer tax
- IndianaRecording fees
- IowaTransfer tax
- KansasRecording fees
- KentuckyTransfer tax
- LouisianaRecording fees
- MaineTransfer tax
- MarylandTransfer tax
- MassachusettsTransfer tax
- MichiganTransfer tax
- MinnesotaTransfer tax
- MississippiRecording fees
- MissouriRecording fees
- MontanaRecording fees
- NebraskaTransfer tax
- NevadaTransfer tax
- New HampshireTransfer tax
- New JerseyTransfer tax
- New MexicoRecording fees
- New YorkTransfer tax
- North CarolinaTransfer tax
- North DakotaRecording fees
- OhioTransfer tax
- OklahomaTransfer tax
- OregonTransfer tax
- PennsylvaniaTransfer tax
- Rhode IslandTransfer tax
- South CarolinaTransfer tax
- South DakotaTransfer tax
- TennesseeTransfer tax
- TexasTitle premium
- UtahRecording fees
- VermontTransfer tax
- VirginiaTransfer tax
- WashingtonTransfer tax
- West VirginiaTransfer tax
- WisconsinTransfer tax
- WyomingRecording fees
- District of ColumbiaTransfer tax
No state or DC matches that filter. Try a full name like “New Mexico” or a code like “NM”.
Beyond the state pages: mortgage purchase fees and cash to close, compare two Loan Estimates, and cash to close versus seller proceeds.
Last reviewed 2026-10-05. See the source guidance.