Closing Costs on $500,000 Home with $400,000 Loan
A $500,000 home purchase with a $400,000 loan typically involves $12,000–$18,000 in closing costs depending on location and lender.
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.
Estimate buyer closing costs for a $500,000 home financed with a $400,000 mortgage — including origination, title, and escrow prepaids.
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.