Determine the home purchase price
Estimate lender fees
Estimate appraisal fee
Estimate inspection fees
Estimate title search and title insurance costs
Estimate attorney fees, if applicable
Estimate recording fees
Estimate transfer taxes and local taxes
Estimate prepaid property taxes
Estimate homeowner’s insurance premium
Estimate mortgage insurance, if applicable
Estimate prepaid interest
Estimate escrow account deposits
Add all closing cost items together
Subtract any seller credits or lender credits
Compare the total to the loan estimate or closing disclosure