Closing cost calculator
What a buyer brings to the table: lender charges, title, recording fees, prepaids, and the attorney fee, itemized.
For buyers
Tools · CT & MA
Run the numbers before you commit.
Eight calculators for the questions people call us about most. Free to use, nothing to sign up for, and built on real published figures rather than a national average. Coverage varies by tool, and each one says which states it runs. Buying somewhere a calculator doesn’t cover yet? Call us and we’ll run your numbers by hand.
Pick your question.
Seller net sheet
Sale price minus payoff, commission, transfer tax, and closing costs. The number that decides how you price. Runs Connecticut, Massachusetts and Rhode Island.
For sellers · CT, MA & RI
Title insurance calculator
A one-time premium priced off the purchase price and the loan, plus what actually moves it.
Buyers & refinancing owners
Conveyance tax calculator
The transfer tax on its own: Connecticut’s brackets plus the municipal rate your town charges, or the Massachusetts deeds excise.
For sellers · CT & MA
Refinance closing cost calculator
What a refinance costs to close, and the three costs it doesn’t have. No conveyance tax, no deed, no second owner’s policy.
For refinancing owners
Offer comparison calculator
Up to three offers side by side, ranked by what you keep rather than what they say. Credits and tax brackets both move the answer.
Sellers & agents · CT & MA
Cash vs financed calculator
What a loan adds to the closing table: the lender’s policy, the mortgage recording, and the lender’s own charges.
Cash buyers & investors
Rent vs. buy calculator
The break-even year, with the cost of getting into a house counted honestly instead of skipped.
Still deciding
Why these numbers are different here.
A national calculator will tell you closing costs are a percentage and leave it there. Connecticut has its own conveyance tax brackets, its own municipal add-on that changes by town, and a forty-year title search standard. Massachusetts charges a flat deeds excise that jumps on Cape Cod. Rhode Island charges one statewide rate, plus a second charge on the part of the price above $824,000. That’s why these numbers won’t always match a national site. The seller net sheet handles all three states. The buyer-side calculators are Connecticut only, because title insurance premiums in Massachusetts and Rhode Island aren’t published the way Connecticut’s are, and we would rather call you back with a real figure than print a guess. If you want the costs explained rather than calculated, start with our guide to Connecticut closing costs.
These calculators produce estimates for general information, not legal advice. Every transaction is different. Reach out to talk through yours.