Estimate loan costs, prepaids, credits, and your cash to close.
All calculations are done locally in your browser.
Typical items include lender fees, appraisal, title, escrow, recording, and prepaids like interest, taxes, and insurance. Credits can offset them.
Credits reduce your cash to close by covering eligible costs. The tool nets credits against costs to estimate what you’ll bring to closing.
Yes—points are part of closing costs. Use Mortgage Points Break-Even alongside this tool to see if the upfront cost pays off.
Try Mortgage Calculator, Refinance Break-Even, and PMI Drop for the full picture.