How Much Are Closing Costs for a $400,000 Home?
Last Updated: June 17, 2026
Closing costs typically range from 2% to 5% of the loan amount. Estimate your upfront cash to close, broken down into lender, third-party, and government fees.
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Transaction Details
$
$
Loan Amount: $320,000
%
Annual Property Expenses (For Escrow)
%
%
Closing Costs Breakdown
Estimated Closing Costs (Range)
$6,400 - $16,000
(Based on 2% - 5% of Loan Amount)
Average Estimated Breakdown (~3%): $9,600
Lender Charges (Origination, Admin)
$0
Third-Party Fees (Appraisal, Title, Credit)
$0
Government Fees (Taxes, Recording)
$0
Prepaid Expenses (Escrow, Interest)
$0