Calculadora de Costos de Cierre — Fórmula
## Understanding Closing Costs
Closing costs are fees and expenses paid at settlement when a real estate transaction is finalized. They typically range from 2% to 5% of the home purchase price.
### Major Categories
- **Lender fees**: Origination charges, appraisal, credit report, underwriting
- **Title and government fees**: Title search, title insurance, recording fees, transfer taxes
- **Prepaids and escrow**: Upfront property tax, homeowner insurance, and prepaid interest
### Who Pays What
Buyers typically pay lender fees, prepaids, and a portion of title costs. Sellers often cover agent commissions and transfer taxes, though everything is negotiable.
Closing costs are fees and expenses paid at settlement when a real estate transaction is finalized. They typically range from 2% to 5% of the home purchase price.
### Major Categories
- **Lender fees**: Origination charges, appraisal, credit report, underwriting
- **Title and government fees**: Title search, title insurance, recording fees, transfer taxes
- **Prepaids and escrow**: Upfront property tax, homeowner insurance, and prepaid interest
### Who Pays What
Buyers typically pay lender fees, prepaids, and a portion of title costs. Sellers often cover agent commissions and transfer taxes, though everything is negotiable.
Ejemplo Resuelto
A $350,000 home with a $280,000 loan. Origination fee 1%, appraisal $500, title insurance $1,500, attorney $800, recording $200, 3 months tax at $350/mo, 14 months insurance at $125/mo.
- Origination fee: $280,000 x 1% = $2,800
- Lender fees: $2,800 + $500 = $3,300
- Title & government: $1,500 + $800 + $200 = $2,500
- Prepaid taxes: 3 x $350 = $1,050
- Prepaid insurance: 14 x $125 = $1,750
- Total prepaids: $1,050 + $1,750 = $2,800
- Total closing costs: $3,300 + $2,500 + $2,800 = $8,600
- As percentage of price: $8,600 / $350,000 = 2.46%