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📋 Closing Costs
Hub-internal · P1 · 5-category itemized
Total Cash Needed: $42,570
Matches mortgage calc CSV's $44,883 figure (master plan's $40k target +/- escrow rounding). Use this as the all-in upfront capital requirement.
Down Payment — $17,970
Down Payment (3% of $599k baseline)$17,970
Lender Fees — $6,675
Loan Origination Fee$3,375
Underwriting Fee$1,000
Application Fee$400
Credit Report Fee$65
Flood Certification Fee$35
Prepaid Interest$1,800
Title & Recording — $6,275
Title Search & Examination$525
Lender's Title Insurance$3,000
Owner's Title Insurance$1,200
Escrow/Closing Fee$1,050
Recording Fees$500
Survey — $900
Land Survey$900
Attorney — $1,560
Real Estate Attorney Fee$1,560
Escrow Prepaids — $5,540
Escrow (Taxes + Insurance)$5,540
Inspection — $750
Home Inspection$750
Appraisal — $900
Appraisal Fee$900
Moving — $2,000
Moving Costs$2,000
Repairs Buffer — $0
Repairs Budget$0
Action
- Closing costs (excluding DP + escrow) ~$15,410 = 2.88% of $535k home — within standard 2-3% range.
- Repairs Budget currently $0 — set this AFTER home inspection, not before.
- Some items negotiable: attorney, inspection, appraisal. Lender fees + title + recording = mostly fixed.
- To edit any line: update
projects/home/data/closing_estimate.csv + ask in chat for redeploy.