Add the line items from a Loan Estimate, Closing Disclosure, settlement worksheet, or cash-purchase plan. The calculator does not infer state fees, lender charges, or a percentage-based market estimate.
Reviewed 2026-08-24
The result is derived from the transaction value, loan amount, transaction-type selection, entered loan-cost and other-cost line items, credits, and amounts already paid. It is an educational planning worksheet and does not infer fees or replace transaction documents.
This page answers what the entered inputs produce under the calculator's documented assumptions. It does not answer what a local provider will charge, approve, diagnose, finance, or guarantee.
Use the result to compare like-for-like scenarios, then replace placeholders with current project records, bids, supplier quotes, authority requirements, or qualified professional review before acting.
The calculator adds entered origination charges, services, government fees, prepaids, initial escrow, and other costs, then subtracts lender and seller or other credits. For purchase or cash scenarios it adds the nonnegative gap between transaction value and loan amount, and it subtracts amounts already paid to model cash needed at closing; refinance scenarios exclude that equity-gap term.
Example purchase closing worksheet
Closing costs after credits = $2,000 + $1,000 + $1,500 + $2,500 + $3,000 + $2,000 + $500 - $1,000 - $1,500 = $10,000. Purchase equity gap = $400,000 - $320,000 = $80,000. Modeled cash needed = $80,000 + $10,000 - $10,000 already paid = $80,000.
The modeled planning worksheet shows $10,000 in closing costs after credits, a $4,500 loan-cost subtotal before credits, and $80,000 in cash needed at closing for those inputs.
Model an auto-loan payment from the entered vehicle price, cash down payment, trade-in credit, financed taxes or fees, annual interest rate, and term. Vehicle labels do not change the amortization math.
Model fixed-rate mortgage principal and interest plus entered annual property tax, annual homeowners insurance, and monthly mortgage insurance. The result is educational and does not supply a current rate or loan offer.
Compare two user-entered monthly spending scenarios across housing, utilities, food, transportation, healthcare, and other costs. This is a personal planning worksheet, not an official city-to-city cost-of-living index, price source, salary recommendation, or financial advice.
Organize a federal gift-tax exclusion scenario from amounts you enter after checking current IRS materials. The worksheet does not embed tax-year thresholds or determine tax, filing, eligibility, classification, valuation, basis, deductions, gift splitting, or legal outcomes.
Refinance Savings Calculator for educational purposes.
HELOC Payment Calculator for educational purposes.
Create a hosted calculator draft and submit it for review. Publication, traffic, leads, and revenue are not guaranteed.
CostSignals results are planning estimates based on the values you enter and the calculator’s configured assumptions. Verify current rates, rules, project scope, and quotes independently before making decisions.
Fill in the form to get your estimate
Used only to model the purchase or cash-transaction equity gap; it does not create a closing-cost percentage.
Enter zero for a cash purchase. For a refinance, the equity gap is excluded from cash-to-close by the transaction type selection.
Purchase and cash scenarios include the difference between transaction value and new loan amount; refinance scenarios do not.
Optional reference for comparing the worksheet with jurisdiction-specific documents. This value does not apply a hidden state multiplier; enter actual government and transfer fees below.
Enter the borrower-paid origination charges shown on the applicable disclosure or worksheet.
Enter the matching Loan Estimate or Closing Disclosure subtotal.
Enter the matching disclosure subtotal or a documented cash-transaction service allowance.
Enter the jurisdiction-specific amount shown in the transaction documents.
Enter prepaid interest, insurance, tax, or other prepaid items from the document.
Enter the initial escrow amount shown on the disclosure, or zero if it does not apply.
Enter other documented borrower-paid closing items not included above.
Enter lender credits as a positive amount; the calculator subtracts them from closing costs.
Enter only credits that reduce the cost total in this scenario.
Enter deposits or amounts already paid that should reduce modeled cash needed at closing.
This calculator provides estimates for informational purposes only and does not constitute financial advice. Consult a qualified financial professional before making financial decisions.
All figures shown are estimates based on average costs and may vary significantly based on your specific situation, contractor, materials, and local conditions.
