Estimateur de Frais de Clôture (Avancé) — Formule

## Understanding Closing Costs

Closing costs are the fees and charges paid at the settlement of a real estate transaction, above and beyond the property price itself.

### Major Cost Categories

- **Lender fees**: Origination fee (0.5-1.5% of loan), appraisal, credit report, underwriting
- **Title charges**: Title search, title insurance, settlement agent fee
- **Prepaid items**: Homeowner insurance, property tax escrow, prepaid interest
- **Government fees**: Recording fees, transfer taxes (vary by state)
- **Inspection**: Home inspection, pest inspection, survey

### Typical Ranges

- Buyer closing costs: 2-5% of the purchase price
- Seller closing costs: 6-10% (including agent commissions)
- Closing costs vary significantly by state due to transfer taxes and local practices

Exemple Résolu

$375,000 purchase with $300,000 loan, 1% origination, $550 appraisal, $450 inspection, $400 title search, $5.75 per $1,000 title insurance, $250 recording fee, 12 months prepaid insurance at $150/month, and 3 months prepaid taxes at $350/month.

  1. Origination fee: $300,000 x 1% = $3,000
  2. Title insurance: $375,000 / 1,000 x $5.75 = $2,156
  3. Lender fees: $3,000 + $550 = $3,550
  4. Title fees: $400 + $2,156 = $2,556
  5. Prepaid insurance: 12 x $150 = $1,800
  6. Prepaid taxes: 3 x $350 = $1,050
  7. Other fees: $450 + $250 = $700
  8. Total closing costs: $3,550 + $2,556 + $2,850 + $700 = $9,656
  9. Cash needed: $9,656 + $75,000 (down payment) = $84,656