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Home-buying costs
Every fee and tax on a home purchase, who usually pays it and the law behind it.
Figures follow US federal and state law, with every source cited and dated.
Results
Cash needed at closing
$800,000.00
Home price plus everything the buyer pays
United States · California · USD
- Paid by the buyer
- $0.00
- Paid by the seller
- $0.00
The price entered is the price in the purchase contract.
Note
Every figure on this page is an estimate based on the values you entered and on defaults from US federal law, the selected state's law and common market practice, each current as of the verification date shown next to it. It is not financial, legal or tax advice. Your actual rate, APR, closing costs and taxes are set by your lender, the company handling your closing and your county when you buy. Your Loan Estimate and Closing Disclosure show the real figures; check them before you sign. This site never stores the numbers you enter; they live only in the page address.
Line by line
| Fee | Basis | Paid by | Amount | Source and edit |
|---|---|---|---|---|
Paid by the buyerGroup subtotal: $0.00 | ||||
| Recording feesThe county charges these to put the deed and the mortgage on the public record. In California, state law caps the base fee by page count, and the state housing fee on real estate documents does not apply to a home purchase. Each county can add its own fees, so enter the amount from your county's fee schedule. | Enter the amount you were quoted | Buyer | $0.00 | |
Paid by the sellerGroup subtotal: $0.00 | ||||
| Seller's agent commissionThe seller pays their own agent. The rate is negotiable; enter the agreed percentage. | 0% × contract price | Seller | $0.00 | |
NegotiableCustomarily paid by the seller. You and the seller agree who pays. Not in the totals until you choose. | ||||
| Owner's title insuranceProtects you, the new owner. Local custom decides who pays. Enter the premium you were quoted. | 0% × contract price | NegotiableNot in the totals | $0.00 | |
| Settlement feeCharged by the company that handles the closing. Who pays is negotiable. Enter your quote. | Enter the amount you were quoted | NegotiableNot in the totals | $0.00 | |
| County transfer taxCharged on the price when the deed changes hands. The purchase contract decides who pays; in most of California it is the seller. | contract price | NegotiableNot in the totals | $880.00 | |
| City transfer taxSome cities add their own. Enter only what the city charges beyond the county tax. | Enter the amount you were quoted | NegotiableNot in the totals | $0.00 | |
| Buyer's agent commissionNegotiable. Since August 2024, buyer-agent pay is agreed in writing with the buyer and is no longer offered by default through listings. The buyer usually pays, but the seller may agree to cover it. | 0% × contract price | NegotiableNot in the totals | $0.00 | |
The link carries only the numbers you entered. The site keeps no copy of them.