Buyer's Estimated Cost Sheet
Estimate your monthly mortgage payment and total cash to close for a home purchase. Choose a loan program, enter your details, and all numbers update in real time. Pre-filled with Lancaster / Palmdale defaults — adjust any field to match your situation.
Save / Load
Property & Loan Details
Average 30-yr fixed rate 6.43% as of Jul 2, 2026 (Freddie Mac PMMS). Adjust to your quote.
12 prepaid interest days
Loan Program
Monthly Expenses
= $141.67/mo added to payment
Total taxes: $1,700/yr · $141.67/mo
Closing Costs
Lender Fees
Third-Party Fees
Initial Escrow Deposits
= $425.00
= $600.00
Credits & Adjustments
Conventional Loan Summary
| Purchase Price | — |
| Down Payment (5.0%) | — |
| Base Loan Amount | — |
| Total Loan Amount | — |
| LTV | — |
| Rate / Term | — |
Monthly Payment
| Principal & Interest | — |
| PMI | — |
| Property Taxes | $141.67 |
| Homeowners Insurance | $300.00 |
| Total Monthly | $441.67 |
Closing Costs
| Lender Fees | |
| Appraisal | $700.00 |
| Processing | $600.00 |
| Underwriting | $600.00 |
| Tax Service | $85.00 |
| Credit Report | $50.00 |
| Flood Determination | $20.00 |
| Lender Fees Total | $2,055.00 |
| Third-Party Fees | |
| Escrow Fee | $500.00 |
| Lender's Title (Concurrent Rate) | $463.00 |
| Recording Fees | $250.00 |
| Notary | $175.00 |
| Total Closing Costs | $3,443.00 |
Prepaids & Reserves
| Prepaid Interest (12 days) | — |
| Homeowners Insurance Premium (1 yr) | $3,600.00 |
| Property Tax Escrow (3 mo.) | $425.00 |
| HOI Escrow (2 mo.) | $600.00 |
| Total Prepaids | $4,625.00 |
Estimated Cash to Close
| Down Payment | — |
| Total Closing Costs | $3,443.00 |
| Prepaids & Reserves | $4,625.00 |
CA Supplemental Tax: New owners typically receive a supplemental property tax bill within 6 months of close, reflecting the difference between the purchase price and prior assessed value. This is separate from the regular tax bill and is not included in your escrow reserves above.
Buyer's Estimated Cost Sheet
Closing: Aug 19, 2026 · Conventional
| Purchase Price | — |
| Down Payment (5.0%) | — |
| Base Loan Amount | — |
| Total Loan Amount | — |
| LTV | — |
| Rate / Term | — |
| Principal & Interest | — |
| PMI | — |
| Property Taxes | $141.67 |
| Homeowners Insurance | $300.00 |
| Total Monthly | $441.67 |
| Lender Fees | $2,055.00 |
| Third-Party Fees | $1,388.00 |
| Total Closing Costs | $3,443.00 |
| Prepaid Interest (12 days) | — |
| HOI Premium (1 yr) | $3,600.00 |
| Property Tax Escrow (3 mo.) | $425.00 |
| HOI Escrow (2 mo.) | $600.00 |
| Total Prepaids | $4,625.00 |
| Down Payment | — |
| Total Closing Costs | $3,443.00 |
| Prepaids & Reserves | $4,625.00 |
Estimate only. Not a Loan Estimate, Good Faith Estimate, or commitment to lend. Actual amounts will vary. Consult your lender for official disclosures (TRID Loan Estimate).