Total Mortgage Payment with Taxes, Insruance, PMI and Cash to Close Calculator

This calculator estimates closing costs and prepaid items based on state-specific averages for transfer taxes, recording fees, and title work, plus your origination fee and a standard lender package (~$1,781 in baseline lender fees). Prepaid items include 30 days of interim interest, 3 months of property tax escrow, and 14 months of homeowners insurance escrow (one year prepaid plus a 2-month cushion). Property tax and hazard insurance rates are state-specific averages. Actual costs vary based on lender, title company, county, and property type — expect your final figures to land within roughly 10% of this estimate.