California Closing Cost Calculator
Pick buyer or seller, enter the price and city, and see each closing cost line by line. You can edit any amount.
Last updated November 2026
| Cloud Escrow escrow fee | |
|---|---|
| Wire fee | |
| Messenger fee | |
| County documentary transfer tax | |
| Title insurance (estimate) | |
| Total | $2,985.00 |
Other closing costs and service fees may apply.
Transfer tax is shown on the seller side, as is customary in Southern California. Who pays it is negotiable.
Title premiums are set by each title insurer's filed rates. Your title company will quote the exact amount.
Estimate only. Click any amount to edit it.
What's included
The calculator shows Cloud Escrow's published escrow fee and itemized fees for the side you pick. On the seller side it adds the county documentary transfer tax, any city transfer tax for the city you choose, and a title insurance estimate.
On the buyer side it adds recording estimates. A loan tie-in fee is added unless you check "All cash."
What isn't included
Lender fees and prepaid items aren't included. Neither are property tax and HOA prorations or the real estate commission.
To include commission and prorations on a sale, use the Seller Net Sheet.
How the escrow fee is calculated
Sellers pay a $0 escrow fee, plus a $30 wire fee and a $50 messenger fee. Other closing costs and service fees may apply.
Buyers pay $300 base plus $3 per $1,000 of the price, plus itemized fees. See full pricing.
About the title and transfer tax figures
Title premiums are set by each title insurer's filed rates. Your title company will quote the exact amount.
Transfer tax is shown on the seller side because the seller customarily pays it in Southern California. Who pays is negotiable. See county and city rates, or read the closing costs guide.
Calculator FAQ
How is the escrow fee calculated?
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The seller's escrow fee is $0, plus a $30 wire fee and a $50 messenger fee. Other closing costs and service fees may apply. The buyer's escrow fee is $300 base plus $3 per $1,000 of the price, plus itemized fees.
Is the title insurance amount a quote?
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No. It's an estimate. Title premiums are set by each title insurer's filed rates. Your title company will quote the exact amount.
What isn't included?
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Lender fees, prepaid items, property tax and HOA prorations, and commission. Use the Seller Net Sheet to include commission and prorations on a sale.
Ready to open escrow?
This guide is general information, not legal or tax advice. Customs vary by county, and every cost is negotiable in your purchase agreement.