Calculadora de costos de tancament (EUA)

Com es fa

1. 1
   Omple els camps

   Escriu els teus números o tria les opcions que necessites.

2. 2
   Mira el resultat

   La resposta s'actualitza a l'instant quan canvies un valor.

3. 3
   Fes-lo servir

   Copia el resultat o apunta'l. No s'envia res enlloc.

About this tool

Enter the purchase price and your down payment. The calculator estimates the lender fee, appraisal, inspection, title and escrow, recording and prepaid taxes and insurance, and compares the total with the usual 2 to 5 percent range.

What closing costs cover

Closing costs are the fees paid when a home sale completes. They include lender charges, third-party services, government recording fees and prepaid items such as insurance and property taxes. Buyers commonly pay 2 to 5 percent of the price.

Example

On a $400,000 purchase with $80,000 down, the estimate is around $10,700, including about $2,560 of origination, $2,400 of title and escrow and $2,800 of prepaids.

Tips

Your lender must give a Loan Estimate within three days of applying. Compare the fees and ask the seller to contribute where the market allows.

Exemple resolt

With the boxes at their starting values (Purchase price ($): 400000; Down payment ($): 80000), the tool shows: Lender origination fee ($): 2,560; Appraisal ($): 600; Home inspection ($): 500; Title and escrow ($): 2,400; Recording fees ($): 250; Prepaid taxes and insurance ($): 2,800; Typical range of 2 to 5 percent ($): 8,000 - 20,000; Estimated closing costs ($): 9,110. Change any box to see your own numbers. The result updates as you type, and nothing leaves your browser.

Consells per obtenir el millor resultat

Comprova cada camp abans de fiar-te d'un resultat, perquè una sola xifra errònia canvia tota la resposta. Fes servir els números exactes d'una nòmina, factura, certificat o contracte i anota la data del càlcul. Els tipus, els llindars i les regles canvien de tant en tant, de manera que per a impostos, taxes i qüestions legals considera el resultat una estimació i contrasta'l amb la font oficial indicada en aquesta pàgina. Pots provar tants escenaris com vulguis; no es desa ni s'envia res i recarregar la pàgina buida els camps.