Calculadora de Custos de Fechamento do Comprador — Formula

Buyer Closing Costs

Buyers need to bring the down payment plus closing costs to the closing table. Understanding total cash requirements prevents surprises.

Cash Needed = Down Payment + Closing Costs - Seller Credits

Buyer Closing Cost Categories

  • Lender fees: Origination, appraisal, credit report, underwriting
  • Third-party fees: Title insurance, survey, inspection, attorney
  • Prepaids: Taxes, insurance, and prepaid interest escrowed upfront
  • Government fees: Recording, transfer taxes (if buyer responsibility)

    • Typical Buyer Closing Costs

    Buyer closing costs (excluding down payment) typically range from 2% to 5% of the purchase price. First-time buyer programs may offer assistance to reduce these costs.

    Exemplo Resolvido

    A $400,000 home with 10% down. Origination 1%, appraisal $500, inspection $400, title $2,200, 3 months tax at $350, 14 months insurance at $125. No seller credit.

    1. Down payment: $400,000 x 10% = $40,000
    2. Loan amount: $400,000 - $40,000 = $360,000
    3. Origination fee: $360,000 x 1% = $3,600
    4. Prepaid taxes: 3 x $350 = $1,050
    5. Prepaid insurance: 14 x $125 = $1,750
    6. Total closing costs: $3,600 + $500 + $400 + $800 + $1,400 + $1,050 + $1,750 = $9,500
    7. Total cash needed: $40,000 + $9,500 = $49,500
    8. Closing costs as % of purchase: 2.38%