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Buyer Closing Cost Estimator

A Massachusetts-style breakdown of what a buyer typically pays at closing, plus the down payment, so you know your cash to close. Every line can be edited.

Purchase

Purchase price

Down payment %

Tax rate / $1,000See your town guide.

Cash purchase (no mortgage)

Lender

Interest rate %

Origination / lender fees

Discount points (% of loan)

Appraisal

Credit report & flood cert

Lender's title insurance (% of loan)

Prepaid interest daysDays from closing to month end.

Tax escrow months

Legal, title & recording

Buyer's attorneyMassachusetts closings are handled by attorneys.

Registry recording feesDeed, mortgage and homestead at the Barnstable County Registry of Deeds.

Municipal lien cert. & settlement fees

Owner's title insurance (% of price) Include owner's policy

Inspections, insurance & extras

Home inspection

Private well water testWhat to test

Other inspections

First-year homeowners insurance

First-year flood insurance

Tax adjustment to sellerIf the seller prepaid taxes past closing.

Beach & transfer station stickersSet by each town.

Seller credit toward costs

Estimated cash to close

Down payment:

Closing costs: · Seller credit:

Net closing costs:

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Estimates only. Default figures are examples, not quotes; replace them with your lender's Loan Estimate and your attorney's fee. The Massachusetts deed excise tax is customarily paid by the seller and isn't included. Title 5 septic inspections are the seller's responsibility under state rules; see the septic guide.

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Get a copy of these numbers, and Sherman will follow up with real figures for the homes you're looking at. No obligation.

Questions about closing on the Cape?

Call or text Sherman at 508-534-3425.

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