Buyer Resources

Buyer Closing Cost Estimator

Get a clear, itemized estimate of the cash you'll need to bring to the closing table — down payment, lender and title fees, prepaid items, and Georgia-specific costs, all broken down in one place.

This is an informational estimate only, based on the figures you enter, and is not a substitute for your Loan Estimate or Closing Disclosure. Ask your lender and closing attorney for exact figures.

Step 1 — Purchase & Loan

Purchase Price

Down Payment

Loan Amount

Interest Rate (%)

Step 2 — Prepaid Items & Escrow

Days of Prepaid Interest at Closing 15

Roughly the number of days left in the month you close — your lender collects interest from closing through month-end.

Annual Property Tax Amount

Annual Homeowners Insurance

Property Tax Escrow Reserve (months) 3

Insurance Escrow Reserve (months) 2

Your first year's insurance premium is typically paid in full at closing, plus a small reserve cushion held in escrow.

Step 3 — Loan & Title Fees

Loan Origination Fee / Points 1%

Appraisal Fee

Credit Report Fee

Lender's Title Insurance (estimate)

Recording Fees

Georgia Intangible Recording Tax Calculated automatically at $1.50 per $500 of loan amount ($25,000 cap).

Attorney / Closing Fees

Home Inspection Fee

Owner's Title Insurance

Include only if you're paying for this instead of the seller.

Termite / Wood Infestation Inspection

Common on Georgia purchase contracts.

Survey Fee

Include if a new property survey is required.

Home Warranty (Buyer-Paid)

Only include if you're purchasing this yourself.

HOA Transfer / Application Fee

Include if your property is in an HOA community.

Step 4 — Credits Applied

Earnest Money Deposit Already Paid Credited back toward your total at closing.

Seller-Paid Closing Costs / Concessions

Estimated Cash Needed at Closing

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Your estimated total cash to bring to the closing table.

Down Payment

—

Closing Costs & Prepaids

—

Loan Amount

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Press “Calculate My Closing Costs” to see your full breakdown.

This is an informational estimate only, based on the figures you entered. Actual closing costs depend on your lender, title company, closing attorney, and the final terms of your loan, and this is not a substitute for your official Loan Estimate or Closing Disclosure. Chuma Hicks-Reese makes no guarantee as to the accuracy of this estimate.

Want the exact numbers for your purchase?

This estimate is a starting point. Let’s talk through your specific closing costs and the right timeline for you.

Complete the Buyer Questionnaire