Buyer tool

Closing costs, without the guesswork.

Plug in the estimates from your lender and settlement company to see your total closing costs and estimated cash to close.

Illustrative estimate only. Not a loan quote or guarantee of financing. This tool uses only the numbers you enter—no fee rates are assumed. Your Loan Estimate and Closing Disclosure are the official figures.

The purchase

Purchase price

Down payment

The dollar amount you plan to put down.

Closing costs

Lender fees

From your lender's Loan Estimate (origination, points, appraisal, credit report).

Title & settlement fees

Settlement, title search, title insurance. Ask your settlement company.

Transfer & recordation taxes

Depends on county, price, program eligibility, and contract terms.

Prepaid / prorated property taxes

Prepaid homeowners insurance

Often the first year of premium—get a quote.

Escrow reserves

Initial deposit your lender may require for future taxes and insurance.

Other costs (HOA, inspections, survey)

Credits toward cash to close

Earnest money deposit

Typically credited toward your cash to close—confirm in your contract.

Seller credits

As negotiated; lenders may limit how credits can be used.

Lender credits or assistance

Numbers you enter stay in your browser. Nothing on this tool is sent or saved to Campbell & Co.

Estimated cash to close

Bring to settlement about$0after earnest money and credits

Total closing costs$0

Estimated loan amount$0

Cash to close breakdown
Item	Amount
Down payment	$0
Lender fees	$0
Title & settlement fees	$0
Transfer & recordation taxes	$0
Prepaid property taxes	$0
Prepaid homeowners insurance	$0
Escrow reserves	$0
Other closing costs	$0
Earnest money credited	−$0
Seller credits	−$0
Lender credits / assistance	−$0
Estimated cash to close	$0

Let's Talk About Your Goals

Where to find real numbers

Your lender's Loan Estimate lists projected loan costs and prepaids; compare offers from more than one lender.
Your settlement or title company can estimate title, settlement, and transfer/recordation amounts for the specific property.
Some Maryland programs may affect transfer or recordation taxes for eligible buyers—verify with your settlement company.
Educational only, not lending, legal, or tax advice.