Buyer Closing Cost Estimator (RI & MA)
Estimate the cash you need to close, itemized for RI and MA.
Your purchase
$450,000
$90,000
2.50% = $11,250
Negotiable, and often paid by the seller. Since the 2024 NAR settlement, buyers may agree to cover their agent's fee. Set this to whatever you have negotiated.
Estimated closing costs
$11,390
Typically $9,000 to $22,500
Lender / origination fees
~0.5-1% of the loan
$2,700
Appraisal
$600
Home inspection
$500
Attorney (title + closing)
RI/MA use closing attorneys
$1,400
Lender's title insurance
$1,440
Recording + government fees
$250
Prepaid taxes + insurance (escrow)
a few months set aside
$4,500
Down payment (20%)$90,000
+ Estimated closing costs$11,390
+ Buyer's agent commission (2.50%)$11,250
Total cash to close$112,640
Estimates only. Actual costs vary by lender, price, town, and loan program. Rhode Island and Massachusetts purchases use closing attorneys, and title, recording, and prepaid amounts differ by transaction. This is not a Loan Estimate or a commitment to lend.
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