Closing Cost Calculator | Home Buying Spreadsheet (Google Sheets, Excel)

Description

Closing Cost Calculator — How much cash do you really need to buy a home? It’s not just the down payment. This calculator itemizes every closing cost and shows your exact cash to close – on any purchase.

What’s inside your Closing Cost Calculator

Editable in Google Sheets and Microsoft Excel. Change one number and the whole estimate updates.

What It Does

• Dashboard: your total closing costs and your cash to close (down payment + closing costs – earnest money and credits), with closing costs as a % of price
• Purchase & Loan: home price, down payment, loan rate and term, earnest money, and any seller or lender credits
• Closing Costs: every fee itemized in three groups – lender fees, title & third-party, and prepaids & escrow – all editable, with prepaid interest calculated automatically
• How to Use: who pays what, how to lower your costs, and a sanity check

Calculates

• Total closing costs (cross-checked two ways)
• Prepaid interest, to the cent (loan x rate / 365 x days)
• Cash to close – down payment, closing costs, minus credits
• Each cost as a % of price and of total

Real example: on a $400,000 home with 20% down, you don’t bring $80,000 to closing – you bring about $86,355 once closing costs are in. The calculator shows your real number on any purchase.

Who it’s for

Home buyers and first-time buyers planning their purchase, plus real estate agents and loan officers who want to set clear expectations with clients.

Explore more in our Real Estate Calculators collection, or open it in Google Sheets.

Frequently asked questions

How is it delivered?
Instant download in Google Sheets, Excel & PDF — available right after checkout, with lifetime access.

Is it ready to use?
Yes — the formulas are built in. Enter your own numbers and it calculates automatically.