{"id":7482,"date":"2026-06-15T00:36:27","date_gmt":"2026-06-15T07:36:27","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/?p=7482"},"modified":"2026-06-15T01:46:49","modified_gmt":"2026-06-15T08:46:49","slug":"homebuyer-reviewing-a-loan-estimate-and-closing-cost-breakdown-before-purchasing-a-home","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/7482\/","title":{"rendered":"How Much Are Closing Costs? : Average Costs and Fees in 2026"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">A common planning range is 2% to 5% of the purchase price or loan amount, but the final cost depends on location, loan type, taxes, insurance and credits. &nbsp;In some cases, you may not have to pay them yourself.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Today, we\u2019ll take a look at the costs involved in buying a home, the amounts you\u2019ll need to pay, and ways to reduce those costs.<\/p>\n\n\n\n<div class=\"loaning-key-takeaways\">\n  <h2>How Much Are Closing Costs : Key Takeaways<\/h2>\n  <ul>\n    <li>\n      Closing costs are paid near the end of a home purchase and are separate from your down payment.\n    <\/li>\n    <li>\n      Your Loan Estimate and Closing Disclosure give more reliable numbers than a rough online estimate.\n    <\/li>\n    <li>\n      Some costs may be reduced with lender credits, seller credits, assistance programs or early lender comparison.\n    <\/li>\n  <\/ul>\n<\/div>\n\n<style>\n.loaning-key-takeaways {\n  background: #eef6ff;\n  border-radius: 10px;\n  padding: 22px 24px;\n  margin: 28px 0;\n  color: #374151;\n  font-family: inherit;\n}\n\n.loaning-key-takeaways h2 {\n  margin: 0 0 14px;\n  font-size: 20px;\n  line-height: 1.35;\n  font-weight: 700;\n  color: #1f2937;\n}\n\n.loaning-key-takeaways ul {\n  list-style: none;\n  padding: 0;\n  margin: 0;\n}\n\n.loaning-key-takeaways li {\n  position: relative;\n  padding-left: 24px;\n  margin-bottom: 12px;\n  font-size: 16px;\n  line-height: 1.55;\n}\n\n.loaning-key-takeaways li:last-child {\n  margin-bottom: 0;\n}\n\n.loaning-key-takeaways li::before {\n  content: \"\u2713\";\n  position: absolute;\n  left: 0;\n  top: 5px;\n  width: 14px;\n  height: 14px;\n  border-radius: 50%;\n  background-color: #0073cf;\n  color: #ffffff;\n  font-size: 9px;\n  font-weight: 700;\n  line-height: 14px;\n  text-align: center;\n}\n\n@media (max-width: 768px) {\n  .loaning-key-takeaways {\n    padding: 18px 16px;\n    margin: 24px 0;\n    border-radius: 8px;\n  }\n\n  .loaning-key-takeaways h2 {\n    font-size: 18px;\n    margin-bottom: 12px;\n  }\n\n  .loaning-key-takeaways li {\n    font-size: 15px;\n    line-height: 1.55;\n    padding-left: 22px;\n    margin-bottom: 10px;\n  }\n\n  .loaning-key-takeaways li::before {\n    top: 5px;\n    width: 13px;\n    height: 13px;\n    font-size: 8px;\n    line-height: 13px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-why-closing-costs-matter-before-you-make-an-offer\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Why Closing Costs Matter Before You Make an Offer<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many first-time buyers focus on the down payment first. That is understandable, but it can create a cash shortfall later if closing costs are not included in the budget from the beginning. When you buy a home with a mortgage, the amount you bring to closing usually includes more than your down payment. It can also include lender charges, title and escrow charges, prepaid property taxes, homeowners insurance and other transaction costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In practical terms, the better question is not only \u201chow much are closing costs?\u201d It is also \u201chow much cash do I need to close comfortably after my down payment?\u201d For buyers in competitive markets, knowing this number early can help you avoid making an offer that looks affordable on paper but feels tight at closing.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-how-much-are-closing-costs-on-average\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>How Much Are Closing Costs on Average?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A useful planning range is about 2% to 5% of the home purchase price or loan amount. For example, on a $500,000 purchase, a buyer might plan for roughly $10,000 to $25,000 in closing costs before credits or assistance. The actual amount can be lower or higher depending on the property location, loan size, loan type and how the transaction is structured.<\/p>\n\n\n\n<div style=\"background:#FFF8DB;; padding:16px; border-radius:12px; margin:16px 0;\">\n  <p style=\"margin:0; font-size:13px; line-height:1.6;\">\n    \ud83d\udca1 <strong>Tip:<\/strong> <br> This range is only a starting point. Transfer taxes, title fees, escrow deposits and prepaid insurance can vary widely by state and county. <br> In some areas, local taxes or HOA-related items can push the total higher. In other cases, seller credits or lender credits may reduce the amount you need to bring out of pocket.\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 class=\"loaning-section-title\">Closing Cost Percentage by Loan Amount<\/h2><br>\nAs the loan amount increases, the percentage of the total loan amount accounted for by closing costs tends to decrease.\n(Calculated based on Fannie Mae data)<br><br>\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <div style=\"width: 100%; overflow-x: auto;\">\n    <table style=\"width: 100%; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none; min-width: 560px;\">\n      <thead>\n        <tr>\n          <th style=\"width: 55%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 14px;\">\n            Loan amount\n          <\/th>\n          <th style=\"width: 45%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 16px 14px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 14px;\">\n            Typical percentage of the loan amount\n          <\/th>\n        <\/tr>\n      <\/thead>\n\n      <tbody>\n        <tr>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; font-weight: 700;\">\n            Under $100,000\n          <\/td>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px;\">\n            4.6%\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; font-weight: 700;\">\n            $200,000 to $300,000\n          <\/td>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px;\">\n            2.1%\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; font-weight: 700;\">\n            $400,000 to $500,000\n          <\/td>\n          <td style=\"padding: 16px 14px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 14px;\">\n            1.6%\n          <\/td>\n        <\/tr>\n\n        <tr>\n          <td style=\"padding: 16px 14px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 14px; font-weight: 700;\">\n            $600,000 to $700,000\n          <\/td>\n          <td style=\"padding: 16px 14px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 14px;\">\n            1.4%\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: Percentages are based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. The figures show national averages by loan amount and should be used as a reference point, not as a guaranteed quote. Actual closing costs may vary by location, lender, loan program, title and escrow fees, taxes, insurance, credits and the final Loan Estimate.\n<\/p>\n\n\n\n<div class=\"loaning-rate-box\">\n  <h2>Compare mortgage rates from top lenders in minutes<\/h2>\n\n  <div class=\"loaning-rate-form\">\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>Loan Type<\/span>\n      <strong>Purchase<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>Loan Term<\/span>\n      <strong>30-Year Fixed<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      <span>City<\/span>\n      <strong>Enter your city<\/strong>\n    <\/a>\n\n    <a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\">\n      Compare\n    <\/a>\n  <\/div>\n\n  <p class=\"loaning-rate-note\">No impact to your credit score<\/p>\n<\/div>\n\n<style>\n.loaning-rate-box,\n.loaning-rate-box * {\n  box-sizing: border-box;\n}\n\n.loaning-rate-box {\n  width: 100%;\n  max-width: 960px;\n  margin: 28px auto;\n  padding: 24px 26px 22px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.12);\n  font-family: inherit;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-rate-box h2 {\n  margin: 0 0 20px;\n  text-align: center;\n  font-size: 23px;\n  line-height: 1.25;\n  font-weight: 800;\n  color: #111827;\n  white-space: nowrap;\n  letter-spacing: -0.02em;\n}\n\n.loaning-rate-form {\n  display: grid;\n  grid-template-columns: minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(120px, 0.85fr) minmax(170px, 1.15fr);\n  gap: 14px;\n  align-items: stretch;\n  width: 100%;\n}\n\n.loaning-rate-field {\n  display: block;\n  min-height: 58px;\n  padding: 10px 12px;\n  border: 1px solid #9ca3af;\n  border-radius: 5px;\n  background: #ffffff;\n  color: #111827 !important;\n  text-decoration: none !important;\n  transition: border-color 0.2s ease, box-shadow 0.2s ease;\n  overflow: hidden;\n}\n\n.loaning-rate-field:hover {\n  border-color: #0073cf;\n  box-shadow: 0 0 0 2px rgba(0, 115, 207, 0.12);\n}\n\n.loaning-rate-field span {\n  display: block;\n  margin-bottom: 3px;\n  font-size: 11px;\n  line-height: 1.2;\n  color: #6b7280;\n  white-space: nowrap;\n}\n\n.loaning-rate-field strong {\n  display: block;\n  font-size: 14px;\n  line-height: 1.25;\n  font-weight: 700;\n  color: #374151;\n}\n\n.loaning-rate-button {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  min-height: 58px;\n  padding: 0 28px;\n  border-radius: 999px;\n  background: #0073cf;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 16px;\n  line-height: 1.2;\n  font-weight: 800;\n  white-space: nowrap;\n  transition: background-color 0.2s ease, transform 0.2s ease;\n}\n\n.loaning-rate-button:hover {\n  background: #005fa8;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n}\n\n.loaning-rate-note {\n  margin: 6px 0 0;\n  text-align: center;\n  font-size: 13px;\n  line-height: 1.4;\n  color: #374151;\n}\n\n.loaning-rate-note::before {\n  content: \"\u25a3\";\n  display: inline-block;\n  margin-right: 6px;\n  font-size: 10px;\n  color: #111827;\n  vertical-align: 1px;\n}\n\n@media (max-width: 900px) {\n  .loaning-rate-box h2 {\n    font-size: 21px;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr 1fr;\n  }\n\n  .loaning-rate-button {\n    grid-column: span 2;\n  }\n}\n\n@media (max-width: 600px) {\n  .loaning-rate-box {\n    padding: 20px 16px;\n    margin: 24px 0;\n  }\n\n  .loaning-rate-box h2 {\n    font-size: 20px;\n    text-align: left;\n    white-space: normal;\n  }\n\n  .loaning-rate-form {\n    grid-template-columns: 1fr;\n    gap: 10px;\n  }\n\n  .loaning-rate-field {\n    min-height: 52px;\n  }\n\n  .loaning-rate-button {\n    grid-column: auto;\n    width: 100%;\n    min-height: 50px;\n  }\n\n  .loaning-rate-note {\n    font-size: 13px;\n    margin-top: 10px;\n  }\n}\n<\/style>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-example-typical-closing-costs-for-a-1-million-home-in-irvine-california\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Example: Typical Closing Costs for a $1 Million Home in Irvine, California<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">If the concept of closing costs still feels a bit unclear, let\u2019s take a look at a specific hypothetical example.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consider a buyer looking to purchase a $1 million home in Irvine, California, with a 30% down payment and a 30-year fixed-rate mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Using Fannie Mae\u2019s estimated rate of 1.4%, the estimated closing costs for a $700,000 loan would be approximately $9,800. (Closing costs are generally expenses paid in addition to the down payment.)<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Cash needed at closing\n        <\/th>\n        <th style=\"width: 32%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Calculation\n        <\/th>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Estimated amount\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Irvine example home price\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          Example purchase price\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,000,000\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Down payment\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,000,000 \u00d7 30%\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $300,000\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Estimated loan amount\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,000,000 \u2212 $300,000\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $700,000\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Estimated closing costs\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $700,000 \u00d7 1.4%\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $9,800\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Estimated cash to close before credits\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          Down payment + estimated closing costs\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $309,800\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: This example applies the 1.4% average closing-cost ratio cited by Urban Institute for a roughly $679,000 mortgage. It is used as a planning estimate for a $700,000 loan amount. Actual closing costs may vary based on location, lender fees, loan program, title and escrow fees, property taxes, insurance, credits, and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-typical-closing-costs-overview\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Typical Closing Costs: Overview<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The table below shows common closing cost categories. The fee ranges are based on national average data for mortgages with loan amounts between <strong>$400,000 and $500,000<\/strong>, so they should be used as a reference point rather than a guaranteed quote for the Irvine example. <\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee category\n        <\/th>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost range\n        <\/th>\n        <th style=\"width: 36%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical percentage of loan amount\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Origination fees\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,545 to $2,258\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          0.5% to 1% of loan balance\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Settlement and title fees\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $2,451 to $3,816\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          0.5% to 1%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Taxes and government fees\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,880 to $2,845\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          0.38% to 0.71%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Third-party fees\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $207 to $517\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          0.04% to 0.13%\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          HOA, escrows and prepaids\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $4,392 to $11,716\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          0.88% to 2.93%\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: Typical fee ranges are based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. Costs are based on national averages for mortgages with loan amounts between $400,000 and $500,000. Actual closing costs may vary by location, lender, loan program, title and escrow fees, taxes, insurance, credits and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 class=\"loaning-section-title\">Stage 1: Origination fees<\/h2>\n\n<p style=\"margin: 0 0 18px; color: #374151; font-size: 15px; line-height: 1.7; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  These are mortgage-related fees charged for processing, underwriting and preparing the loan. In the Irvine example, the estimated loan amount is $700,000, so percentage-based origination costs can be estimated from that loan amount.\n<\/p>\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost\n        <\/th>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          What it\u2019s for\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Bundled origination costs\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          0.5% to 1% of the loan balance<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            Irvine example: $3,500 to $7,000\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers underwriting, processing and preparation of the mortgage loan.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Application fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $80<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            Irvine example: $80\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          May cover the cost of processing the mortgage application, depending on the lender.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: Typical origination fee data is based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. The Irvine example applies the 0.5% to 1% origination-cost range to a $700,000 loan amount, which equals $3,500 to $7,000. Actual lender fees may vary by lender, loan program, credits, discount points and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 class=\"loaning-section-title\">Stage 2: Settlement and Title Fees<\/h2>\n\n<p style=\"margin: 0 0 18px; color: #374151; font-size: 15px; line-height: 1.7; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  These fees are tied to title review, title insurance, escrow, document preparation, and the closing process. They help confirm legal ownership, protect the lender and buyer from certain title issues, and cover the work needed to finalize the transaction.\n<\/p>\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 30%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee\n        <\/th>\n        <th style=\"width: 18%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost\n        <\/th>\n        <th style=\"width: 52%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          What it\u2019s for\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Lender\u2019s title insurance\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $1,626\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Protects the lender if a title issue appears after the home is purchased.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Owner\u2019s title insurance\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $487\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Protects the buyer if a title issue appears after purchase.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Settlement and closing fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $725\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers the closing agent, escrow officer, or attorney who coordinates documents and finalizes the transaction.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Document delivery and preparation fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $102\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers preparation, handling, and delivery of legal documents related to the mortgage and home purchase.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Notary fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $38\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Pays for notarizing important closing documents.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: Typical settlement and title fee data is based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. These figures are national averages and should be used as a reference point, not as a guaranteed quote. Actual title, escrow, document preparation, and notary fees may vary by location, provider, property type, loan program, and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 class=\"loaning-section-title\">Stage 3: Taxes and Government Fees<\/h2>\n\n<p style=\"margin: 0 0 18px; color: #374151; font-size: 15px; line-height: 1.7; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  These fees are charged by state or local government offices to record the transaction, transfer ownership, or apply local taxes tied to the mortgage or property transfer. For the Irvine example, the Orange County documentary transfer tax can be calculated directly from the purchase price.\n<\/p>\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost\n        <\/th>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          What it\u2019s for\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Transfer taxes\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $1,465 national average<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #0073cf; font-weight: 800;\">\n            Irvine example: $1,000,000 \u00f7 $500 \u00d7 $0.55 = $1,100\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          A state or local tax on transferring ownership of the property.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Recording fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $179 national average<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #6b7280; font-weight: 700;\">\n            Irvine example: varies by document and county recording requirements\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers recording the deed and mortgage documents with the local government.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Tax stamp\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $636 national average<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #6b7280; font-weight: 700;\">\n            Irvine example: may vary by local tax rules and transaction structure\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          A tax on the mortgage or deed, often based on loan amount or property value.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Assessment tax\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $3 national average<br>\n          <span style=\"display: inline-block; margin-top: 6px; color: #6b7280; font-weight: 700;\">\n            Irvine example: property-specific\n          <\/span>\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          A small local fee for public services or district-level improvements tied to the property.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: National average tax and government fee figures are based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. For Orange County, California, documentary transfer tax is calculated at $0.55 for each $500 or fraction thereof when the net consideration exceeds $100. The $1,100 estimate applies that rate to a $1,000,000 Irvine purchase. Actual taxes and recording charges may vary by transaction, exemptions, local requirements, purchase contract, and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 class=\"loaning-section-title\">Stage 4: Third-Party Service Fees<\/h2>\n\n<p style=\"margin: 0 0 18px; color: #374151; font-size: 15px; line-height: 1.7; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Third-party service fees are paid to outside providers involved in the mortgage and home purchase process. These may include credit reporting, appraisal, inspection, survey, flood certification, lien search, and wire transfer services.\n<\/p>\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee\n        <\/th>\n        <th style=\"width: 20%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost\n        <\/th>\n        <th style=\"width: 52%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          What it\u2019s for\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Credit report fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $80\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers pulling credit reports to evaluate the borrower\u2019s creditworthiness.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Home appraisal fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $558\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Pays for a professional appraisal to confirm the home\u2019s market value supports the loan amount.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Inspection fees, such as home and pest\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $120\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers inspections that review property condition and possible structural or physical issues.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Survey fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $105\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Confirms property boundaries, lot size, and possible encroachments or easements.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Flood certification\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $8\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Determines whether the property is in a flood zone and whether flood insurance may be required.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Municipal lien certificate fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $5\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Checks for unpaid local charges such as property taxes, utilities, or municipal liens.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Wire transfer fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.45; white-space: normal; overflow-wrap: anywhere;\">\n          $4\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers the cost of electronically transferring funds to complete the transaction.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n<p style=\"margin: -12px 0 28px; color: #6b7280; font-size: 12px; line-height: 1.6; font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif;\">\n  Source note: Typical third-party fee data is based on Urban Institute calculations from Fannie Mae data, as cited by LendingTree. These figures are national averages and should be used as a reference point, not as a guaranteed quote. Actual third-party fees may vary by property, location, provider, loan program, inspection needs, flood status, and the final Loan Estimate.\n<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-stage-5-escrows-prepaids-hoa-and-points\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Stage 5: Escrows, Prepaids, HOA, and Points<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">This category often creates confusion because some items are not \u201cfees\u201d in the same way as lender or title charges. They may include upfront deposits for future expenses, such as property taxes, homeowners insurance, or mortgage interest.<\/p>\n\n\n\n<div style=\"width: 100%; margin: 24px 0 30px; border: 2px solid #dbeafe; border-radius: 12px; background-color: #fff; overflow: hidden; box-shadow: 0 10px 20px rgba(0,0,0,0.04); font-family: 'Pretendard', -apple-system, BlinkMacSystemFont, 'Apple SD Gothic Neo', sans-serif; box-sizing: border-box;\">\n  <table style=\"width: 100%; table-layout: fixed; border-collapse: collapse; border-spacing: 0; margin: 0; padding: 0; border-style: none;\">\n    <thead>\n      <tr>\n        <th style=\"width: 28%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Fee\n        <\/th>\n        <th style=\"width: 34%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; border-right: 1px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          Typical cost\n        <\/th>\n        <th style=\"width: 38%; background-color: #eff6ff; color: #1f2937; font-weight: 800; padding: 14px 12px; text-align: left; border-bottom: 2px solid #dbeafe; font-size: 13px; line-height: 1.35; white-space: normal; overflow-wrap: anywhere;\">\n          What it\u2019s for\n        <\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Home warranty fee\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $76\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers a service contract for repairs or replacement of major systems and appliances for a set period after purchase.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Mortgage interest\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Varies by interest rate and closing date\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers prepaid interest from the closing date through the end of the month before the first mortgage payment is due.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Prepaid homeowners insurance\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $2,800 per year\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers the first year or several months of homeowners insurance required by the lender.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Prepaid property taxes\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $2,000 per year\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Covers upcoming property tax bills, often collected upfront and placed into escrow.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          HOA fees\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; border-right: 1px solid #eef2f7; color: #0073cf; font-weight: 800; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          $3,500 per year\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Pays upfront HOA dues, transfer fees, monthly fees, or initial contributions required by the HOA.\n        <\/td>\n      <\/tr>\n\n      <tr>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.45; font-weight: 700; white-space: normal; overflow-wrap: anywhere;\">\n          Mortgage points\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; border-right: 1px solid #eef2f7; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          1 point typically equals 1% of the loan amount\n        <\/td>\n        <td style=\"padding: 14px 12px; border-bottom: none; color: #374151; font-size: 13px; line-height: 1.5; white-space: normal; overflow-wrap: anywhere;\">\n          Optional prepaid interest used to lower the interest rate.\n        <\/td>\n      <\/tr>\n    <\/tbody>\n  <\/table>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">These prepaid and HOA figures should be treated carefully because they can vary significantly by property, insurance policy, tax area, HOA community, and closing date. <\/p>\n\n\n\n<div class=\"loaning-mortgage-box\">\n  <h2>What Mortgage Amount Do You Need?<\/h2>\n\n  <div class=\"loaning-mortgage-amount\" id=\"loaningMortgageAmount\">\n    $500,000\n  <\/div>\n\n  <div class=\"loaning-slider-wrap\">\n    <input\n      id=\"loaningMortgageSlider\"\n      class=\"loaning-mortgage-slider\"\n      type=\"range\"\n      min=\"100000\"\n      max=\"1000000\"\n      step=\"10000\"\n      value=\"500000\"\n      aria-label=\"Select mortgage amount\"\n    \/>\n  <\/div>\n\n  <a\n    class=\"loaning-calculate-button\"\n    href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&#038;utm_medium=loaning_en&#038;utm_campaign=2026_closing_costs&#038;utm_content=2026_closing_costs_check_my_rate\"\n  >\n    Calculate Payment\n  <\/a>\n\n  <p class=\"loaning-terms\">\n    Terms &amp; Conditions Apply. NMLS#2357195\n  <\/p>\n<\/div>\n\n<style>\n.loaning-mortgage-box,\n.loaning-mortgage-box * {\n  box-sizing: border-box;\n}\n\n.loaning-mortgage-box {\n  width: 100%;\n  max-width: 720px;\n  margin: 26px auto 34px;\n  padding: 24px 22px 18px;\n  border: 1px solid #e5e7eb;\n  border-radius: 10px;\n  background: #ffffff;\n  box-shadow: 0 2px 8px rgba(15, 23, 42, 0.10);\n  font-family: inherit;\n  text-align: center;\n  color: #111827;\n  overflow: hidden;\n}\n\n.loaning-mortgage-box h2 {\n  margin: 0 0 10px;\n  font-size: 20px;\n  line-height: 1.35;\n  font-weight: 800;\n  color: #111827;\n  letter-spacing: -0.02em;\n}\n\n.loaning-mortgage-amount {\n  margin: 0 0 24px;\n  font-size: 28px;\n  line-height: 1.15;\n  font-weight: 900;\n  color: #111827;\n  letter-spacing: -0.03em;\n}\n\n.loaning-slider-wrap {\n  width: min(420px, 100%);\n  margin: 0 auto 22px;\n  padding: 0;\n  border: 0 !important;\n  background: transparent !important;\n  box-shadow: none !important;\n}\n\n.loaning-mortgage-slider {\n  display: block;\n  width: 100% !important;\n  min-width: 0 !important;\n  height: 26px;\n  margin: 0 !important;\n  padding: 0 !important;\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n  appearance: none !important;\n  -webkit-appearance: none !important;\n  cursor: pointer;\n}\n\n.loaning-mortgage-slider:focus,\n.loaning-mortgage-slider:active,\n.loaning-mortgage-slider:hover {\n  border: none !important;\n  outline: none !important;\n  box-shadow: none !important;\n  background: transparent !important;\n}\n\n.loaning-mortgage-slider::-webkit-slider-runnable-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: var(\n    --loaning-slider-bg,\n    linear-gradient(\n      to right,\n      #10b981 0%,\n      #10b981 44.44%,\n      #cbd5e1 44.44%,\n      #cbd5e1 100%\n    )\n  );\n}\n\n.loaning-mortgage-slider::-webkit-slider-thumb {\n  width: 24px;\n  height: 24px;\n  margin-top: -10px;\n  border: 2px solid #111827;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.22);\n  cursor: pointer;\n  appearance: none;\n  -webkit-appearance: none;\n}\n\n.loaning-mortgage-slider::-moz-range-track {\n  width: 100%;\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  box-shadow: none !important;\n  background: #cbd5e1;\n}\n\n.loaning-mortgage-slider::-moz-range-progress {\n  height: 4px;\n  border: none !important;\n  border-radius: 999px;\n  background: #10b981;\n}\n\n.loaning-mortgage-slider::-moz-range-thumb {\n  width: 24px;\n  height: 24px;\n  border: 2px solid #111827;\n  border-radius: 50%;\n  background: #ffffff;\n  box-shadow: 0 1px 3px rgba(15, 23, 42, 0.22);\n  cursor: pointer;\n}\n\n.loaning-calculate-button {\n  display: inline-flex;\n  align-items: center;\n  justify-content: center;\n  width: min(340px, 100%);\n  min-height: 42px;\n  padding: 0 24px;\n  border-radius: 999px;\n  background: #0073cf;\n  color: #ffffff !important;\n  text-decoration: none !important;\n  font-size: 15px;\n  line-height: 1.2;\n  font-weight: 800;\n  transition: background-color 0.2s ease, transform 0.2s ease;\n}\n\n.loaning-calculate-button:hover {\n  background: #005fa8;\n  color: #ffffff !important;\n  transform: translateY(-1px);\n}\n\n.loaning-terms {\n  margin: 7px 0 0;\n  font-size: 11px;\n  line-height: 1.4;\n  color: #6b7280;\n}\n\n@media (max-width: 768px) {\n  .loaning-mortgage-box {\n    width: 100%;\n    margin: 24px 0 30px;\n    padding: 20px 16px 16px;\n    border-radius: 10px;\n  }\n\n  .loaning-mortgage-box h2 {\n    font-size: 18px;\n  }\n\n  .loaning-mortgage-amount {\n    font-size: 26px;\n    margin-bottom: 22px;\n  }\n\n  .loaning-slider-wrap {\n    width: 100%;\n    max-width: 420px;\n    margin-bottom: 22px;\n  }\n\n  .loaning-calculate-button {\n    width: min(320px, 100%);\n    min-height: 44px;\n    font-size: 14px;\n  }\n\n  .loaning-terms {\n    font-size: 10.5px;\n  }\n}\n<\/style>\n\n<script>\n(function () {\n  const slider = document.getElementById(\"loaningMortgageSlider\");\n  const amount = document.getElementById(\"loaningMortgageAmount\");\n\n  if (!slider || !amount) return;\n\n  function formatCurrency(value) {\n    return \"$\" + Number(value).toLocaleString(\"en-US\");\n  }\n\n  function updateSlider() {\n    const min = Number(slider.min);\n    const max = Number(slider.max);\n    const value = Number(slider.value);\n    const percentage = ((value - min) \/ (max - min)) * 100;\n\n    amount.textContent = formatCurrency(value);\n\n    slider.style.setProperty(\n      \"--loaning-slider-bg\",\n      \"linear-gradient(to right, #10b981 0%, #10b981 \" +\n        percentage +\n        \"%, #cbd5e1 \" +\n        percentage +\n        \"%, #cbd5e1 100%)\"\n    );\n  }\n\n  slider.addEventListener(\"input\", updateSlider);\n  updateSlider();\n})();\n<\/script>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-c645e628e62f8fbab9d9726851472d16 wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-closing-costs-vs-down-payment-vs-cash-to-close\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Closing Costs vs. Down Payment vs. Cash to Close<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A common source of confusion is the difference between the down payment, closing costs and cash to close. They are related, but they are not the same.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Down payment is the portion of the purchase price you pay upfront toward the home.<\/li>\n\n\n\n<li>Closing costs are transaction-related fees and prepaid expenses required to complete the purchase and loan.<\/li>\n\n\n\n<li>Cash to close is the total amount you need to bring to closing after credits, deposits and adjustments are applied.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if your down payment is $60,000 and your estimated closing costs are $14,000, your cash to close may not be exactly $74,000. Your earnest money deposit, seller credits, lender credits and prepaid adjustments can change the final amount. This is why your Loan Estimate and Closing Disclosure are so important.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-who-can-help-pay-closing-costs\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Who Can Help Pay Closing Costs?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Although the buyer is often responsible for many mortgage-related closing costs, the buyer does not always pay every dollar alone. Depending on your loan program and negotiation, some costs may be covered or offset by other sources.<\/p>\n\n\n\n<h3 id=\"h-seller-credits\" class=\"wp-block-heading\" style=\"font-size:20px\"><strong>Seller Credits<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A seller credit is when the seller agrees to contribute toward the buyer\u2019s closing costs. This can be negotiated in the purchase contract, especially if the market gives buyers more room to ask for concessions. Loan programs usually limit how much the seller can contribute, so it is important to confirm the cap with your lender before writing the offer.<\/p>\n\n\n\n<h3 id=\"h-lender-credits\" class=\"wp-block-heading\" style=\"font-size:20px\"><strong>Lender Credits<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A lender credit can reduce upfront closing costs, but it often comes with a tradeoff, such as a higher interest rate. This can help if you need to preserve cash at closing, but you should compare the short-term savings against the long-term cost of a higher monthly payment.<\/p>\n\n\n\n<h3 id=\"h-gift-funds-or-assistance-programs\" class=\"wp-block-heading\" style=\"font-size:20px\"><strong>Gift Funds or Assistance Programs<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Some buyers may be able to use eligible gift funds or local assistance programs for part of their closing costs. Documentation rules apply, and availability depends on the program, property location, borrower profile and loan type.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-how-to-estimate-your-closing-costs-more-accurately\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>How to Estimate Your Closing Costs More Accurately<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Online closing cost calculators can be helpful for early budgeting, especially when you are still comparing home prices. However, calculators cannot fully reflect your actual lender fees, local tax rules, insurance quote, escrow setup, seller credit or final loan structure.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h3 id=\"h-to-get-a-more-realistic-estimate-prepare-these-details-before-speaking-with-a-lender\" class=\"wp-block-heading\" style=\"font-size:20px\"><strong>To get a more realistic estimate, prepare these details before speaking with a lender:<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Expected purchase price and ZIP code<\/li>\n\n\n\n<li>Down payment amount or percentage<\/li>\n\n\n\n<li>Loan type you are considering<\/li>\n\n\n\n<li>Estimated property tax and homeowners insurance<\/li>\n\n\n\n<li>Whether the home may have HOA dues<\/li>\n\n\n\n<li>Any expected seller credit or lender credit<\/li>\n\n\n\n<li>Whether you are considering discount points<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Once you apply for a mortgage, your lender provides a Loan Estimate. Before closing, you receive a Closing Disclosure that shows the final loan terms and closing costs. Compare these documents carefully and ask your loan officer to explain any line item that changed.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-ways-to-reduce-closing-costs-without-creating-surprises\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>Ways to Reduce Closing Costs Without Creating Surprises<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Compare Loan Estimates from more than one lender so you can see differences in lender fees, rate options and credits.<\/li>\n\n\n\n<li>Ask whether any lender fees can be reduced, waived or structured differently.<\/li>\n\n\n\n<li>Consider seller credits when the offer strategy and market conditions make sense.<\/li>\n\n\n\n<li>Review discount points carefully. A lower rate may be useful, but points increase upfront cost.<\/li>\n\n\n\n<li>Ask about lender credits if keeping cash on hand is more important than minimizing the interest rate.<\/li>\n\n\n\n<li>Check whether first-time buyer or local assistance programs are available in your area.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-loaning-ai-takeaway\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong><a href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=2026_closing_costs&amp;utm_content=2026_closing_costs_check_my_rate\">Loaning.ai <\/a>Takeaway<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Closing costs are manageable when you know what to expect early. The risk is not that closing costs exist; the risk is discovering them too late, after you have already made an offer or stretched your budget around the down payment only.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Loaning.ai helps homebuyers review mortgage options, estimated cash to close and pre-approval readiness before they move too far into the purchase process. If you are planning to buy a home in the U.S., checking your numbers early can make the rest of the process feel much clearer.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CTA: Before you make an offer, check your estimated mortgage costs and pre-approval readiness with Loaning.ai.<\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<h2 id=\"h-how-much-are-closing-costs-faq\" class=\"wp-block-heading\" style=\"font-size:24px\"><strong>How Much Are Closing Costs :<\/strong> <strong>FAQ<\/strong><\/h2>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>When are closing costs due?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    Most closing costs are paid at closing. Some items, such as inspections or certain certifications, may be paid earlier in the process.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>Is a down payment included in closing costs?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    No. Your down payment and closing costs are separate, but both are usually part of the total cash you need to bring to closing.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>Can closing costs change before closing?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    Yes. Some line items may change as the transaction moves forward. Your lender will provide updated disclosures when required, and your Closing Disclosure should be reviewed carefully before signing.\n  <\/div>\n<\/div>\n\n\n\n<div style=\"\n  background-color:#F8F9FA;\n  border-radius:16px;\n  padding:18px 22px;\n  margin:16px 0;\n  font-size:15px;\n  line-height:1.7;\n  color:#333333;\n  font-family:inherit;\n\">\n  <div style=\"margin-bottom:8px;\">\n    <strong style=\"color:#0073cf; margin-right:6px;\">Q.<\/strong>\n    <strong>Can I avoid closing costs completely?<\/strong>\n  <\/div>\n  <div>\n    <strong style=\"color:#10b981; margin-right:6px;\">A.<\/strong>\n    Usually, no. You may be able to reduce upfront costs through credits or assistance, but the cost is often paid in another way, such as a higher interest rate or adjusted contract terms.\n  <\/div>\n<\/div>\n\n\n\n<p class=\"has-white-color has-text-color has-link-color wp-elements-7e4ac651328708ea719ac0894fa30934 wp-block-paragraph\">.<\/p>\n\n\n\n<div class=\"wp-block-buttons loaning_cta_bottom is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-background wp-element-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase?utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=2026_closing_costs&amp;utm_content=2026_closing_costs_check_my_rate\" style=\"background-color:#49cf7e\"><strong>\ud83d\udc49 Check My Mortgage Rate<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>A common planning range is 2% to 5% of the purchase price or loan amount, but the final cost depends on location, loan type, taxes, insurance and credits. &nbsp;In some cases, you may not have to pay them yourself. Today, we\u2019ll take a look at the costs involved in buying a home, the amounts you\u2019ll [&hellip;]<\/p>\n","protected":false},"author":11,"featured_media":7536,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"footnotes":""},"categories":[436],"tags":[],"class_list":["post-7482","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-buying-guide"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.6 (Yoast SEO v24.6) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Much Are Closing Costs?<\/title>\n<meta name=\"description\" content=\"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/blog.loaning.ai\/en\/7482\/\" \/>\n<meta property=\"og:locale\" content=\"ko_KR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How Much Are Closing Costs? : Average Costs and Fees in 2026\" \/>\n<meta property=\"og:description\" content=\"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/blog.loaning.ai\/en\/7482\/\" \/>\n<meta property=\"og:site_name\" content=\"Loaning.AI Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-06-15T07:36:27+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-15T08:46:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1020\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"jhryu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\uae00\uc4f4\uc774\" \/>\n\t<meta name=\"twitter:data1\" content=\"jhryu\" \/>\n\t<meta name=\"twitter:label2\" content=\"\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04\" \/>\n\t<meta name=\"twitter:data2\" content=\"16\ubd84\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/\"},\"author\":{\"name\":\"jhryu\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2\"},\"headline\":\"How Much Are Closing Costs? : Average Costs and Fees in 2026\",\"datePublished\":\"2026-06-15T07:36:27+00:00\",\"dateModified\":\"2026-06-15T08:46:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/\"},\"wordCount\":2632,\"publisher\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/#organization\"},\"image\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png\",\"articleSection\":[\"Home Buying Guide\"],\"inLanguage\":\"ko-KR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/\",\"url\":\"https:\/\/blog.loaning.ai\/en\/7482\/\",\"name\":\"How Much Are Closing Costs?\",\"isPartOf\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png\",\"datePublished\":\"2026-06-15T07:36:27+00:00\",\"dateModified\":\"2026-06-15T08:46:49+00:00\",\"description\":\"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.\",\"breadcrumb\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#breadcrumb\"},\"inLanguage\":\"ko-KR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/blog.loaning.ai\/en\/7482\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage\",\"url\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png\",\"contentUrl\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png\",\"width\":1020,\"height\":735},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/7482\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/blog.loaning.ai\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"How Much Are Closing Costs? : Average Costs and Fees in 2026\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#website\",\"url\":\"https:\/\/blog.loaning.ai\/en\/\",\"name\":\"Loaning.AI Blog\",\"description\":\"Compare 30 year mortgage rates in US\",\"publisher\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/blog.loaning.ai\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"ko-KR\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#organization\",\"name\":\"Loaning.AI Blog\",\"url\":\"https:\/\/blog.loaning.ai\/en\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"ko-KR\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png\",\"contentUrl\":\"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png\",\"width\":153,\"height\":144,\"caption\":\"Loaning.AI Blog\"},\"image\":{\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2\",\"name\":\"jhryu\",\"url\":\"https:\/\/blog.loaning.ai\/en\/author\/jhryu\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"How Much Are Closing Costs?","description":"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/blog.loaning.ai\/en\/7482\/","og_locale":"ko_KR","og_type":"article","og_title":"How Much Are Closing Costs? : Average Costs and Fees in 2026","og_description":"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.","og_url":"https:\/\/blog.loaning.ai\/en\/7482\/","og_site_name":"Loaning.AI Blog","article_published_time":"2026-06-15T07:36:27+00:00","article_modified_time":"2026-06-15T08:46:49+00:00","og_image":[{"width":1020,"height":735,"url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png","type":"image\/png"}],"author":"jhryu","twitter_card":"summary_large_image","twitter_misc":{"\uae00\uc4f4\uc774":"jhryu","\uc608\uc0c1 \ub418\ub294 \ud310\ub3c5 \uc2dc\uac04":"16\ubd84"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/blog.loaning.ai\/en\/7482\/#article","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/"},"author":{"name":"jhryu","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2"},"headline":"How Much Are Closing Costs? : Average Costs and Fees in 2026","datePublished":"2026-06-15T07:36:27+00:00","dateModified":"2026-06-15T08:46:49+00:00","mainEntityOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/"},"wordCount":2632,"publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png","articleSection":["Home Buying Guide"],"inLanguage":"ko-KR"},{"@type":"WebPage","@id":"https:\/\/blog.loaning.ai\/en\/7482\/","url":"https:\/\/blog.loaning.ai\/en\/7482\/","name":"How Much Are Closing Costs?","isPartOf":{"@id":"https:\/\/blog.loaning.ai\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage"},"thumbnailUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png","datePublished":"2026-06-15T07:36:27+00:00","dateModified":"2026-06-15T08:46:49+00:00","description":"Learn how closing costs work, what fees are included, who may help pay them, and how to estimate your cash to close before buying a home.","breadcrumb":{"@id":"https:\/\/blog.loaning.ai\/en\/7482\/#breadcrumb"},"inLanguage":"ko-KR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/blog.loaning.ai\/en\/7482\/"]}]},{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/en\/7482\/#primaryimage","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2026\/06\/How-Much-Are-Closing-Costs_260615_en.png","width":1020,"height":735},{"@type":"BreadcrumbList","@id":"https:\/\/blog.loaning.ai\/en\/7482\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/blog.loaning.ai\/en\/"},{"@type":"ListItem","position":2,"name":"How Much Are Closing Costs? : Average Costs and Fees in 2026"}]},{"@type":"WebSite","@id":"https:\/\/blog.loaning.ai\/en\/#website","url":"https:\/\/blog.loaning.ai\/en\/","name":"Loaning.AI Blog","description":"Compare 30 year mortgage rates in US","publisher":{"@id":"https:\/\/blog.loaning.ai\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/blog.loaning.ai\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ko-KR"},{"@type":"Organization","@id":"https:\/\/blog.loaning.ai\/en\/#organization","name":"Loaning.AI Blog","url":"https:\/\/blog.loaning.ai\/en\/","logo":{"@type":"ImageObject","inLanguage":"ko-KR","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/","url":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","contentUrl":"https:\/\/blog.loaning.ai\/en\/wp-content\/uploads\/2024\/11\/Group-181.png","width":153,"height":144,"caption":"Loaning.AI Blog"},"image":{"@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/blog.loaning.ai\/en\/#\/schema\/person\/d1644675e04b2c09848d7c1ce056c8d2","name":"jhryu","url":"https:\/\/blog.loaning.ai\/en\/author\/jhryu\/"}]}},"views":9,"_links":{"self":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/7482","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/comments?post=7482"}],"version-history":[{"count":2,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/7482\/revisions"}],"predecessor-version":[{"id":7543,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/posts\/7482\/revisions\/7543"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media\/7536"}],"wp:attachment":[{"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/media?parent=7482"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/categories?post=7482"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.loaning.ai\/en\/wp-json\/wp\/v2\/tags?post=7482"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}