California Purchase Closing Cost Calculator
Full buyer & seller breakdown by county — escrow, title, transfer tax, and lender fees
Property & Loan Details
Lender Fee Estimates
Varies by lender — SI MTG lowest yield spread
If applicable
Prepaids & Escrow Setup
Total Buyer Costs
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All-in buyer closing costs
Total Seller Costs
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Seller closing costs
Cash to Close
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Down payment + buyer costs
Seller Net Proceeds
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After all seller costs
🏠 Buyer Closing Costs
Total Buyer Costs
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🔑 Seller Closing Costs
Total Seller Costs
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🏦 Lender & Prepaid Fees (Buyer)
Total Lender & Prepaids
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Closing costs are estimates based on county custom and standard fee schedules. Actual costs may vary by lender, title company, and negotiation. Transfer tax data sourced from Old Republic Title Guide to California Closing Costs (11/2023). CA DRE #01480904 · NMLS #300923
What's included
Every fee, explained
Escrow Fees
Who pays depends on the county. In Alameda, Contra Costa, Marin, and others — buyer pays. In San Benito and Santa Clara — seller pays. We apply the correct custom automatically.
Title / Owner's Policy
Protects against title defects. In most Northern CA counties the buyer pays title fees. In Southern CA counties like LA, Orange, and San Diego — seller pays.
Documentary Transfer Tax
$1.10 per $1,000 of purchase price (or $0.55 per $500). Always paid by the seller in California. Additional city transfer taxes may apply — Oakland, SF, LA, San Jose all have city-level taxes.
Lender Fees
Origination, appraisal, credit report, underwriting. SI MTG offers the lowest yield spread in the market — meaning your lender fees are as low as possible.
Prepaids & Escrow Setup
Property tax reserve (2–6 months), homeowner's insurance (12 months upfront), and prepaid interest from closing date to month end. These are funds, not fees — they go into your escrow account.
Refinance vs Purchase
On a refinance, there is no owner's title policy, no transfer tax, and no escrow split — just lender fees, a lender's title policy, and prepaids. Costs are typically 2–5% of the loan amount.
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CA DRE #01480904 · NMLS #300923 · Equal Housing Lender · 44840 S Grimmer Blvd, Fremont CA 94538