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%