Free · No credit check
Refinance Closing Costs Calculator
30-yr fixed avg 7.11% as of November 12, 2026
Source: Freddie Mac PMMS
Your numbers
30-yr fixed avg 7.11% as of November 12, 2026
Source: Freddie Mac PMMS
Illustrative split of a 3.5% midpoint
- Lender/origination fees$3,000
- Appraisal, credit, flood$750
- Title insurance & settlement$2,250
- Government recording & taxes$1,500
- Prepaid interest & escrow setup$1,500
Category shares are an illustration that sums to the midpoint, not a quote — your Loan Estimate lists actual fees.
Estimated closing costs
$6,000 – $15,000
Rolling in costs avoids paying cash at closing but adds $40–$101 a month.
No credit check to see options. Estimates use principal and interest only.
How this calculator works
Refinance closing costs commonly run between 2% and 5% of the new loan amount. They include lender fees such as origination or underwriting, third-party charges like the appraisal, credit report, title search and title insurance, government recording fees and taxes, and prepaid items such as interest and the initial deposit to your escrow account.
This calculator gives a low, middle and high estimate across that range, plus an illustrative breakdown at the midpoint so you can see where the money typically goes. The breakdown is an illustration, not a quote: actual fees depend on your lender, your state and county, and your loan. Within three business days of applying, lenders must give you a Loan Estimate with the real figures, and you can compare those across lenders.
You usually have two ways to pay. You can bring cash to closing, or roll the costs into the new loan. Rolling costs in means no cash out of pocket, but it increases your balance, your monthly payment and the interest you pay over the life of the loan. Tick the box to see that payment impact at both ends of the range.
A third option is a lender credit, where the lender covers some or all costs in exchange for a higher interest rate. Our guide to no-closing-cost refinancing explains how to compare that trade-off. Whichever way you pay, the costs feed into your break-even point, so the lower they are, the sooner a refinance pays off.
Worked example at this week's rates
On a $300,000 refinance, 2%–5% is $6,000 to $15,000. At this week's 7.11% 30-year average, rolling those costs into the loan adds about $40 to $101 to the monthly payment of $2,018.
PMMS is a national purchase-mortgage benchmark, not a refinance quote, so your own offer may be higher or lower.
Estimates only. Default rates are Freddie Mac PMMS weekly averages — a national purchase-mortgage benchmark, not a local refinance quote. Payments are principal and interest only. reficalculator.com is not a lender or broker; see how we calculate.
Frequently asked questions
- How much are closing costs on a refinance?
- A common range is 2% to 5% of the new loan amount. Your Loan Estimate shows the actual figures for your loan.
- Can I roll closing costs into my refinance?
- Often yes, if you have enough equity. It avoids paying cash at closing but raises your loan balance and monthly payment.
- Which refinance closing costs can I shop for?
- Your Loan Estimate lists services you can shop for, commonly including title services and some settlement services. Lender fees can also be compared across lenders.
- Are refinance closing costs tax-deductible?
- Some items, such as certain points, may be deductible under specific rules. Tax treatment depends on your situation, so check with a tax professional.
- What is a lender credit?
- A lender credit reduces your closing costs in exchange for a higher interest rate. It can make sense if you won't keep the loan long.
- Why do closing costs vary by state?
- Recording fees, transfer or mortgage taxes, and title practices are set locally, so the same loan can cost different amounts in different states and counties.
More calculators
Break-Even Calculator
How many months until savings cover closing costs.
Debt Consolidation Calculator
Combine cards and loans into your mortgage — and see total interest.
Remove PMI Calculator
Check your LTV and savings from dropping PMI or FHA MIP.
Divorce Buyout Calculator
Buyout amount, new loan, payment and LTV.
Cash-Out vs HELOC
Blended rate, payment and interest side by side.
15 vs 30-Year Calculator
Payment and lifetime interest for each term.