Refinances.com - The Refinance Authority
Refinance Closing Cost Calculator
Use our refinance closing cost calculator to estimate your refinance costs in seconds. No credit pull, no contact info, no obligation. Just an honest, itemized estimate.
RUN YOUR OWN ESTIMATE
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What does this refinance calculator estimate?
Every refinance has closing costs: the lender's fees, third-party services like title and appraisal, and government recording or mortgage taxes that vary a lot by state. This refinance closing cost calculator gives you a realistic, itemized range for your state and loan size, with no credit pull and no contact info required. It runs entirely in your browser, so your numbers never leave your device. It is an estimate to help you plan, not a Loan Estimate or a commitment to lend.
The estimator
Estimate your refinance closing costs
Enter a few numbers. We estimate the line items below using documented government fee schedules for your state plus typical third-party ranges. No credit pull, no server call, nothing stored.
Your refinance
Round figures are fine. We do not ask for your name, contact info, or Social Security number.
NOT A COMMITMENT TO LEND
The line items
What goes into refinance closing costs?
Closing costs fall into three buckets. We itemize each one so you can see exactly where the money goes.
Lender fees
What the lender charges to originate the loan. We do not charge application, processing, or admin junk fees. As a broker we shop wholesale lenders for you, so this line stays lean.
Third-party services
Appraisal, title search and insurance, settlement or closing attorney, credit report, and flood certification. These go to outside companies, not to us, and the ranges are typical for a refinance.
Government fees and taxes
County recording fees plus any state mortgage, recordation, intangible, or documentary-stamp tax. These vary widely by state, which is why we calculate them from your state's published schedule.
Honest about accuracy
How accurate is this estimate?
We built this to be useful and honest, not to dazzle you with false precision. State government taxes and recording fees are calculated from documented public schedules, so those lines are dependable. Third-party services like appraisal, title, and settlement are shown as typical ranges because the exact cost depends on your specific lender, property, and providers. We do not invent precise dollar amounts we cannot stand behind. For figures you can rely on, ask us for a full written estimate, with no credit pull to get started.
State fees: calculated
Recording fees and state mortgage, intangible, or stamp taxes use published per-state schedules.
Third-party: ranged
Appraisal, title, settlement, and credit are shown as realistic ranges, not invented exact numbers.
No rate, no APR here
Prepaid interest depends on a rate, which we never guess. We quote it live, separately, when you talk to us.
After your estimate
What happens after I get my estimate?
The calculator is step one. A human guides the rest.
See your numbers
Run the estimate here, then book a call so we can confirm the real figures and run your break-even math, no credit pull to start.
Shop wholesale
As a broker, we compare multiple wholesale lenders to find your fit and a quote you can hold us to.
Close on your time
Lock your terms, we handle the paperwork with common-sense underwriting, and you close on your schedule.
Questions
Refinance closing cost calculator FAQ
Does this refinance calculator pull my credit?
No. This refinance closing cost calculator does not pull your credit, ask for your contact information, or send your numbers anywhere. Everything is computed in your browser. A formal loan application later includes a credit check, but getting an estimate here does not.
How accurate is the closing cost estimate?
State recording fees and taxes are calculated from documented public schedules, so those are dependable. Third-party services like appraisal, title, and settlement are shown as typical ranges because the exact cost depends on your lender, property, and providers. It is an estimate to help you plan, not a Loan Estimate or a commitment to lend.
Why is there no interest rate or monthly payment shown?
We never publish guessed or stale rates. Prepaid interest and your monthly payment depend on a live rate, which we quote separately when you talk to us. This page focuses on the closing-cost line items you can estimate without a rate.
Why do closing costs differ so much by state?
Government taxes are the big swing. Florida charges a documentary stamp tax plus an intangible tax, Georgia has an intangible recording tax, Virginia has a recordation tax, and Alabama has a mortgage recording tax, while several states have none. We calculate the right ones for your state.
Are the lender fees really zero?
We do not charge application, processing, or admin junk fees. As an independent broker we shop wholesale lenders and pass the access to you. You will still have third-party and government costs, which we itemize honestly.
Want a full estimate you can rely on?
Book a quick call and we will confirm your exact numbers and run your break-even math. No credit pull to get started.