Conventional PMI (borrower-paid monthly)
FHA, VA, and USDA loans generally require an impound (escrow) account for taxes and insurance.
2026 VA purchase chart: first use 2.15% (<5% down), subsequent use 3.3% (<5% down); 5–9.99% down 1.5%; 10%+ down 1.25%. Exempt: veterans receiving or eligible for VA service-connected disability compensation, eligible surviving spouses receiving DIC, and active-duty Purple Heart recipients.
Tax and insurance defaults are typical estimates for the selected state; edit them for the actual property.Note rate
APR
Estimated monthly payment
Paid separately (no impounds)
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APR estimated by the actuarial method (Reg Z, Appendix J). It counts every fee marked APR below: discount points, origination, underwriting, tax service, flood certification, prepaid interest, other finance charges, the settlement agent's service charges (escrow/closing fee, sub-escrow, loan tie-in, wire/courier, notary), and the FHA upfront MIP or VA funding fee, plus monthly mortgage insurance for as long as it applies. Title insurance, title search, document preparation, appraisal, credit report, recording fees and taxes, homeowners insurance, escrow deposits and HOA dues are not part of APR. Estimate only; not a Loan Estimate or a commitment to lend.Estimated closing costs (California typical, editable)
Defaults are estimates. Items marked (auto) update with state, price, loan, and rate until you edit them. Switching state reloads the state defaults.
Loan costs (lender & lender-required services)
Linked: editing one updates the other from the loan amount.
Origination / lender fee APR
Underwriting fee APR
Prepaid interest days
Tax service fee APRTax service vendor (via lender)
Flood certification APRFlood determination vendor (via lender)
Prepaid interest (auto) APR
Other finance charges APR
Loan costs
Total APR finance charges (all fees marked APR)
Title & escrow fees (tap to show/edit)
Paid to title, escrow, closing attorney and related third parties. Settlement-agent service charges (escrow/closing fee, sub-escrow, loan tie-in, wire/courier, notary) are APR finance charges and marked APR; title insurance, title search, document preparation and recording are not.Title & escrow fees
Other closing costs (appraisal, credit, government)
Other closing costs
Prepaids & escrow
1st-yr homeowners ins. (auto)
Tax reserve months (auto)
Insurance reserve months (auto)
Aggregate adjustmentRESPA aggregate accounting, 2-month cushion
Initial escrow account deposit (auto)
Property taxes due at closing (auto)Buyer's share of a bill already due at closing
Prepaids & escrow
Estimated cash to close
Est. cash to close
Excludes earnest money, seller/lender credits, seller-paid items (), seller proration credits for taxes, and HOA transfer fees. Actual costs vary by lender, title/escrow company or closing attorney, and county.