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Free Real Estate Closing Cost Calculator

Never get surprised at the closing table. Freddie calculates every closing cost on both sides of any transaction before you commit to a deal.

Everything in the Free Closing Cost Calculator

Buyer Closing Costs
Calculate loan origination, title insurance, appraisal, inspection, and prepaid costs.
Seller Closing Costs
Estimate agent commissions, transfer taxes, title fees, and prorated expenses.
Investor Acquisition Costs
Model closing costs on hard money and conventional investment property purchases.
Wholesale Closing Costs
Calculate closing costs when assigning or double-closing a wholesale deal.
Net Proceeds Calculator
See your exact net proceeds after all costs on any sale transaction.
Score Certificate
Factor closing costs into your deal score for precise profit analysis.

Real Deal. Real Numbers. Analyzed Free.

Dan White, 20-year fix-and-flip veteran in Northern Virginia, used FreeDealCalc to analyze a $130,000 wholetail opportunity in under 5 minutes. No spreadsheet. No paid software. Just Freddie.

Purchase
$210,000
Cleanout
$5,000
Resale
$349,000
Hold Time
1 Month
Strategy
Wholetail
Net Profit
$115,050
Before renovationAfter renovation
100
Deal Score
Strong Deal

"I've been flipping houses for 20 years and I built this tool because nothing free was actually good enough. Freddie does what I used to do with spreadsheets — but in seconds, for free, for every investor who needs it."

— Dan White, Founder, FreeDealCalc | 20-Year Fix & Flip Investor, Northern Virginia

A buyer who purchases this property as a wholetail deal undertakes all renovation work at their own direction, cost, and risk. The seller makes no representations regarding property condition and all sales are as-is. Buyer is responsible for all due diligence, inspections, and compliance with local codes and regulations.

Frequently Asked Questions

How much are closing costs on an investment property?

Buyer closing costs on investment properties typically run 2-5% of purchase price. Seller closing costs including agent commissions run 6-10%. On a $200K purchase, expect $4,000-$10,000 in buyer costs and $12,000-$20,000 in seller costs when you eventually sell.

What closing costs do real estate investors pay?

Investors pay loan origination fees (1-3 points on hard money), title insurance, recording fees, transfer taxes, appraisal, inspection, homeowner's insurance prepaid, and escrow/attorney fees. Hard money closings can add 2-4 points on top of standard costs.

Are closing costs different for investment properties?

Yes. Investment properties require a higher down payment (15-25% vs 3.5-10% for primary), higher interest rates, and sometimes higher origination fees. You also cannot use certain first-time buyer programs or down payment assistance on investment properties.

Can closing costs be negotiated?

Some can, some can't. Lender origination fees, title company fees, and agent commissions are negotiable. Government recording fees and transfer taxes are fixed. Shopping multiple lenders and title companies can save $1,000-$3,000 on a typical investment transaction.

Can I roll closing costs into my investment property loan?

On hard money loans, yes — points and fees are often rolled in. On conventional loans, you can sometimes negotiate seller concessions to cover costs, or use a slightly higher rate for lender credits. Freddie models different structures so you can optimize cash to close.

What are typical closing costs when selling a rental property?

Agent commissions (5-6%), transfer taxes (0.1-2% depending on state), title insurance (0.5-1%), settlement/attorney fees ($500-$1,500), prorated property taxes and HOA, and any outstanding liens. On a $350K sale, total seller costs typically run $25,000-$40,000.

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