Closing Disclosure Calculator

Build the cash-to-close exactly the way the closing disclosure does it: loan costs (A+B), other costs (E), prepaids (F) and escrow (G), then subtract credits and earnest money.

Loan basics

Purchase price

Down payment

Section A & B — Loan costs

Origination charges (A)

Services / appraisal (B)

Section E — Other costs

Title & recording

Transfer tax

Section F & G — Prepaids and escrow

Prepaid interest

Insurance prepaid

Escrow setup

Credits

Seller credits

Earnest money already paid

Total cash at closing

$98,300

net of credits and earnest

Total closing costs

$13,300

Loan + service costs (A+B)

$4,350

Prepaids + escrow (F+G)

$3,950

How to read the closing disclosure

The CD groups costs into Loan Costs (A: origination, B: services), Other Costs (E: title, recording, transfer tax), Prepaids (F: interest, insurance, taxes paid in advance), and Initial Escrow Setup (G).

Compare your final CD to the original Loan Estimate. Most line items are tolerance-controlled (zero or 10% tolerance based on category). Significant changes require a revised CD and an additional 3-day waiting period before closing.

How to Use

Enter the purchase price and your down payment.
Fill in section A (origination) and section B (services / appraisal) loan costs.
Add section E (title, recording, transfer tax) other costs.
Add prepaids (F: interest, insurance) and escrow setup (G).
Enter seller credits and earnest money already paid — the calculator subtracts them from total cash to close.

Frequently Asked Questions

What's the difference between a Loan Estimate and a Closing Disclosure?

Loan Estimate (LE) is the early estimate within 3 days of application. Closing Disclosure (CD) is the final document at least 3 days before closing. Both use identical line categories — federal law requires the formats match for clean comparison.

What are tolerance categories?

Some fees can change between LE and CD without limit (zero tolerance for items the lender controls). Others have 10% aggregate tolerance (services where the borrower picks the provider). Big changes trigger a revised CD with a new 3-day waiting period.

Why are prepaids separate from closing costs?

Prepaids (interest, insurance, taxes) are amounts paid up front for ongoing obligations — not really lender fees. They show separately on the CD so borrowers can distinguish 'cost of getting the loan' from 'cost of starting the obligations'.

What about seller-paid items?

Seller credits show in the calculations as offsets to your cash to close. The CD also has a seller column showing items they're paying directly (commission, transfer tax in some markets, prorations).