Closing Costs on $400,000 Home with $320,000 Loan
A $400,000 home with an $320,000 loan at standard rates results in estimated closing costs of roughly $9,000–$13,000.
How to use this tool
- Enter purchase price, loan amount, loan origination fee, title insurance, prepaid escrow months, monthly escrow (taxes + insurance) and other fees (appraisal, inspection, etc.) in the fields above.
- Results update instantly as you type — or click Calculate.
- Read your total estimated closing costs and the full breakdown beneath it.
Calculate the estimated closing costs when purchasing a $400,000 home with an $320,000 mortgage and standard fee structure.
Frequently asked questions
- What is included in closing costs?
- Typical buyer closing costs include loan origination fee, appraisal, home inspection, title search and insurance, attorney fees, recording fees, prepaid homeowner's insurance, and property tax escrow deposits.
- Can closing costs be rolled into the loan?
- Sometimes. Some lenders offer 'no-closing-cost' loans with a slightly higher rate. You can also ask the seller to cover some costs (seller concessions), though this reduces your offer competitiveness.