FREE BUYER RESOURCE · PENNSYLVANIA & FLORIDA

Home Buyer Closing Cost Calculator

Estimate your down payment, lender charges, title fees, prepaid expenses, negotiated costs, deposits and cash needed at settlement. Enter the estimates you receive from your lender and settlement provider; then print a branded worksheet.

Free planning worksheet · PA & FL

Buyer Closing Costs & Cash-to-Close Estimator

Enter your own estimates from a lender or settlement provider. See a preliminary breakdown, then print a branded worksheet to discuss with Ken.

Property statePennsylvaniaFlorida Purchase price ($) Down payment (%)Enter 100% for a cash purchase; estimated financing costs should then be $0. Earnest money already paid ($) Lender and financing charges ($) Title, settlement and attorney costs ($) Transfer, recording and government charges ($) Prepaid insurance, interest, taxes and escrow ($) Other negotiated buyer expenses ($) Buyer brokerage fee, if buyer-paid ($)Compensation is negotiable, never a standard or required fixed rate. Seller and lender credits ($)

Estimated additional cash needed at closing

$10,500

Down payment

$12,500

Estimated closing expenses

$0

Total required before credits & deposit

$12,500

Seller / lender credits

−$0

Deposit already paid

−$2,000

Important: unfilled fee fields count as $0. Enter lender, title, taxes and prepaid amounts before relying on this worksheet.

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This is a preliminary planning tool, not an official Loan Estimate or final Closing Disclosure. Loan type, mortgage insurance, proration, taxes, seller credits and contract details can change the result. Your lender and settlement provider must confirm actual figures. Some credits may be limited by loan program and cannot replace required down payment.

What is included in homebuyer closing costs?

Buyers may pay lender costs, title and settlement charges, taxes and recording fees, prepaid insurance, prepaid interest and escrow reserves. Any buyer-paid brokerage fee depends on the negotiated agreement; there is no fixed or standard commission.

What is cash to close?

Cash to close includes the down payment and closing costs, with adjustments for eligible lender or seller credits and earnest money already paid. Your lender’s Loan Estimate is the appropriate source for lender-specific figures.

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For planning only. Not a lender’s Loan Estimate, settlement quote, Closing Disclosure or promise of financing. Costs vary by state, property, financing and negotiated terms.

Pennsylvania: Iron Valley Real Estate – Keystone, 1507 Route 61 Hwy S, Ste 2, Pottsville, PA 17901. Office (570) 593-0135. PA RS362822.

Florida: Jason Mitchell Real Estate Florida LLC, d/b/a JMG, 3501 N Ocean Drive, Hollywood, FL 33019. Office (754) 307-0607. FL SL3566866.

Ken Hoffmaster, REALTOR® · (570) 968-5414 · Equal Housing Opportunity.