How we calculate

Closing costs combine taxes with lender, title, recording and other charges that depend on the transaction. The settlement worksheet adds the amounts you enter; it does not infer a complete fee quote from the purchase price.

Supported state calculations

These state calculators compute the tax components described beside their inputs. Each states its supported transaction, cites the relevant government authority and identifies local charges or exemptions that require confirmation.

• District of Columbia
• Virginia
• Maryland
• New York
• Ohio
• Massachusetts
• Louisiana
• Oregon
• Mississippi
• Wyoming
• Missouri
• Colorado
• Delaware
• Hawaii
• New Mexico
• Idaho
• North Dakota
• Montana
• Indiana
• Utah
• Kansas
• Alaska
• Arizona
• West Virginia
• Oklahoma
• Illinois
• Nevada
• New Hampshire
• Wisconsin
• Minnesota
• Arkansas
• Alabama
• Texas
• Nebraska
• Tennessee
• Kentucky
• South Dakota
• Iowa
• Georgia
• North Carolina
• South Carolina
• New Jersey
• Rhode Island
• Washington
• Florida
• California
• Michigan
• Pennsylvania
• Maine
• Connecticut
• Vermont

The worked transfer-tax examples on those pages use the same arithmetic as their interactive calculator. A transfer-tax quote for your side replaces the modeled amount, so it is not added twice. An entered zero is a confirmed zero; a blank local amount remains unresolved.

Quotes, confirmed zeros and blank lines

A buyer or seller transfer-tax quote replaces the modeled amount for that side, including any local component. Enter 0 only for a confirmed zero. Other closing charges are included only when entered; the displayed subtotal is not a complete settlement quote.

Each worksheet prints a settlement statement for the side you choose. Debits are what that party owes at the table: the price for a buyer, plus taxes, recording, title, lender and escrow lines; for a seller, commission, the seller's taxes and charges, credits paid to the buyer and the loan payoff. Credits are what reduces that amount: the loan, the deposit and credits received for a buyer; the sale price for a seller. The bottom line is the engine's own figure: for a buyer, debits minus credits equals cash to close; for a seller, credits minus debits equals net proceeds. A line marked Open is one the worksheet cannot resolve from the facts entered, so the bottom line stays open too rather than silently treating the missing charge as zero.

New Mexico recording fees

New Mexico rounds index entries into blocks of ten separately for one deed, one mortgage and one release. A zero count means that instrument is absent from your side’s budget. Confirm indexing with the clerk; additional documents use a full recording quote.

Idaho recording fees

Idaho separates deeds, mortgages and releases. Each instrument includes thirty pages in its base charge; excess pages are totaled only after applying that allowance to each document. Special filings require a quote.

North Dakota recording fees

North Dakota supports one deed and one mortgage, with page thresholds calculated separately. Page counts include any added cover sheet. Confirm excess land sections and margin surcharges; larger document packages use a full recording quote.

Montana recording fees

The Montana model counts each instrument’s first page separately, then additional pages and nonstandard-document additions. Its selected schedule ends June 30, 2027, before the statutory inflation adjustment. For July–December 2027 the worksheet asks for the actual published first-page and additional-page amounts, with source confirmation; a recording quote remains available.

Indiana recording fees

The Indiana estimate separates standard nonmortgage instruments at $25 from mortgages at $55. Confirm county additions, including any housing, auditor or disclosure charges, before the subtotal is available. A recording quote replaces the whole estimate.

Massachusetts deeds excise and island fees

The Massachusetts model rounds confirmed net excise consideration up to $500 units and separates Barnstable’s state and county components. Island buyer land-bank fees use their own consideration and allocation. The qualifying Nantucket M option uses the verified 2026 $1.4 million exclusion and requires the actual published 2027 exclusion for a later eligible transfer; Vineyard and other relief use confirmed fee quotes.

Louisiana document charges

The Louisiana model requires confirmation of the R.S. 13:844 and LCRAA schedule. It calculates one deed and one mortgage in one book each, plus qualifying single cancellations, excess indexing and paper-size fees. Parish additions must be entered. The additional Act 446 charge applies only in the supported 2027–2028 option; dual-book and special recordings use quotes.

Oregon county charges

The Oregon model handles Washington County ordinary taxable transfers using whole $1,000 units rounded up and a confirmed contract allocation. Its recording model uses the August 2025 county schedule for standard instruments. Other counties, exempt transfers and special recordings require their confirmed treatment or quotes.

Mississippi recording fees

The 2026 Mississippi worksheet supports one standard deed, one deed of trust and one single-item release. Each receives five included pages, with $1 for each excess page. The confirmed archive fee is charged once per included instrument; the release includes one marginal notation. Additional release items and special filings need quotes.

Wyoming recording fees

The Wyoming model separates page charges, clerk-confirmed excess names and descriptions, book/page references and county administrative additions. Excess counts restart per instrument. A published Teton reference threshold differs from the statute, so the chargeable reference count must be confirmed rather than inferred.

Missouri recording fees

The Missouri document model uses the August 28, 2026 schedule verified for Boone and Jasper counties. Each instrument starts a new $26 first-page charge, additional pages cost $3, and confirmed nonstandard documents add $25 each. Other counties, older dates and special filings require a quote.

Colorado documentary, municipal and recording charges

The Colorado worksheet allocates the documentary fee by the confirmed contract percentage. Ordinary Aspen and Breckenridge municipal taxes remain assigned to the buyer, using separately confirmed municipal consideration. Other local treatment needs buyer and seller quotes. The July 2025 standard recording schedule charges $43 for each instrument allocated to the selected side.

Utah recording fees

The Utah model uses the confirmed county schedule effective May 6, 2026, plus descriptions above ten per instrument. The $5 county addition has a statutory exception, so other-county treatment must be confirmed. Older periods and special services use quotes.

Kansas recording fees

The Kansas estimate includes statutory page surcharges. A separate option handles one confirmed qualifying principal-residence mortgage and its $125 cap; it does not cap a multi-document package. Releases and special instruments require a recording quote.

Alaska recording fees

The Alaska model counts first pages per instrument, additional pages, indexed names above six per instrument, and nonstandard-document surcharges. Enter the counts allocated to your selected side. A recording quote replaces the whole estimate; copies and special services require a quote.

Arizona recording fees

The Arizona worksheet counts standard instruments allocated to the selected party at $30 each. The statutory $2 transfer fee is included in that charge. An entered recording quote replaces the estimate, including an explicit zero. Special documents require a quote.

Texas title premium

The Texas worksheet uses the policy face amount and TDI rate schedule for one basic policy. It requires the contract allocation before putting a premium share in the settlement subtotal. A quote for your side replaces the modeled title amount. Special rate rules and endorsements require that quote.

Transactions requiring quotes

Every state worksheet accepts a full transfer quote for the selected side when the transaction falls outside its stated scope. Quotes replace the modeled amount. Confirm the actual tax, exemptions and allocation for the deed.

Buyer cash to close and seller proceeds

Buyer cash to close equals the down payment plus listed buyer costs, minus the deposit already paid and buyer credits. Financing equals price minus down payment. Seller proceeds equal sale price minus listed seller costs, commission, seller credits and mortgage payoff. Buyer and seller inputs are kept separate when you switch sides.

These are subtotals of the amounts entered or explicitly calculated. Missing fee lines are not proof that a fee is zero. Obtain the lender's Loan Estimate or Closing Disclosure and the settlement provider's quotes before treating the result as a complete budget. Legal fees and other title charges use entered quotes. Texas also supports one basic title-policy premium under the published March 2026 schedule.

Mortgage purchase worksheet

The mortgage purchase calculator requires each fee category, allowing confirmed zero. Cash to close adds down payment and entered charges, then subtracts deposits, credits, included costs already paid and lender-confirmed financed costs. The implied loan adds financed costs to price minus down payment. This arithmetic does not establish loan eligibility, credit limits or refund entitlement.

Scope and review dates

Each source-backed model identifies its ordinary transaction and current rule. A special exemption, different property use, retained lien, local ordinance or later law change may require another calculation. Review dates record the content review; a passing similarity check does not establish legal accuracy or guarantee indexing.