$0
United States · Day-one cash
Closing costs besides the down payment
There is no single national US stamp duty. Closing costs depend on your lender, your loan and your purchase, so OwnerCost adds the transfer taxes and closing costs you enter from your Loan Estimate to your down payment instead of inventing a national rate.
Example with the default inputs. Change any field to recalculate.
No closing costs entered yet
Enter the transfer or recording taxes and the lender, title and other closing costs from your Loan Estimate to see your cash to close. $0 here only means nothing has been entered — not that the purchase has no costs. Down payment $90,000.
$90,000
$90,000
Breakdown
| Transfer / recording taxes (your input) | $0 |
| Lender, title and other closing costs (your input) | $0 |
What this includes
Included: the down payment plus the transfer or recording taxes and the closing costs you enter. Not included automatically: any tax, fee or prepaid item you have not entered, and PMI, which is monthly. Take the figures from your Loan Estimate, then check them against your Closing Disclosure.
How we calculate
There is no single national US stamp duty, so OwnerCost does not apply a national rate. It adds two figures you enter — transfer or recording taxes as a percentage of the price, and lender, title and other closing costs as an amount — to your down payment. Your Loan Estimate lists loan costs, other costs and your estimated cash to close; typical closing costs include appraisal fees, title insurance, government taxes and prepaid items such as property taxes, homeowners insurance and interest. By law you receive a Closing Disclosure at least three business days before closing, so you can compare the final figures with your Loan Estimate. PMI is a monthly cost and is on the Mortgage page.
Official sources
- CFPB — Loan Estimate explainer
- CFPB — What fees or charges are paid when closing on a mortgage? (updated 13 Sep 2024)
- CFPB — When do I get a Closing Disclosure?
- CFPB — Compare and negotiate your loan offers (updated 12 Dec 2024)
Rules checked against these sources on 24–25 September 2026.