Estimate all closing costs for your investment property purchase — lender fees, title, escrow, taxes, and pre-paids — before you close.
🏠 Property Details
$
%
%
Estimated Total Closing Costs
$0
0% of purchase price
Lender Fees
$0
Origination, underwriting
Title & Escrow
$0
Title insurance, settlement
Govt Taxes & Fees
$0
Transfer tax, recording
Pre-paids
$0
Insurance, interest, escrow
Full Closing Cost Breakdown
Loan Origination Fee (1%)—
Underwriting Fee-$795
Appraisal-$550
Credit Report-$35
Title Insurance (Owner's)—
Title Insurance (Lender's)—
Settlement/Escrow Fee—
State Transfer Tax—
Recording Fees-$200
Prepaid Interest (15 days)—
Homeowners Insurance (1yr)—
Property Tax Escrow (2 mo)—
TOTAL ESTIMATED CLOSING COSTS—
⚠️ Note: These are estimates. Actual closing costs vary by lender, title company, and local fees. Always request a Loan Estimate (LE) from your lender before committing. Investment properties typically cost more to close than primary residences.
Compare lenders and minimize closing costs
Different lenders charge different fees. Getting 3+ quotes can save thousands on closing costs.
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Frequently Asked Questions
What are typical closing costs for an investment property? ▾
Investment property closing costs typically run 2-5% of the purchase price, slightly higher than primary residences because some fees (like lender origination) are the same regardless of loan size. On a $300,000 purchase with 25% down, expect $6,000-$15,000 in closing costs. The biggest variables are transfer taxes (which vary dramatically by state) and lender fees (which vary by lender).
What states have the highest real estate transfer taxes? ▾
States with the highest real estate transfer taxes include Delaware (~3%), Washington DC (~2.2%), New Jersey (~1.21%), Washington State (~1.28%), and Vermont (~1.45%). States like Texas, Wyoming, Idaho, and several others have no state transfer tax. Always verify current rates as these change frequently. For investors buying multiple properties, state transfer taxes are a significant cost consideration.
Can I negotiate closing costs? ▾
Yes — lender fees are negotiable. You can shop 3+ lenders and compare Loan Estimates (required by law within 3 business days of application). Title company selection is also negotiable in most states — the buyer typically chooses the title company. Transfer taxes and government recording fees are fixed. Strategies to reduce costs: negotiate lender credits (accepting a slightly higher rate to offset closing costs), have the seller pay a portion (seller concessions), or roll costs into the loan on a refinance.