calculations

Itemise closing costs

Line-by-line buyer closing costs — lender fees, title, appraisal, transfer taxes, prepaid escrow — plus total cash needed at the table including the down payment. Marks which items are worth shopping for and which are fixed by the county, and adds the FHA upfront premium, VA funding fee or USDA guarantee fee where they apply.

post/api/v1/estimate-closing-costs

Request

  • Base URL: https://www.usmortgagecalc.com
  • URL: https://www.usmortgagecalc.com/api/v1/estimate-closing-costs
  • Auth: none declared

Request body

homePricenumber required

Purchase price of the home in US dollars.

downPaymentPercentnumber

Down payment as a percentage of the purchase price, 0 to 100. Not a dollar amount.

loanType'conventional' | 'fha' | 'va' | 'usda'

Loan programme. Affects mortgage insurance and upfront fees.

annualInsurancenumber

Annual homeowners insurance premium.

escrowMonthsinteger

Months of taxes collected up front to open the escrow account.

transferTaxPercentnumber

State and local transfer tax as a percentage of price. Varies enormously by state.

vaSubsequentUseboolean

VA only: entitlement has been used before.

vaExemptFromFundingFeeboolean

VA only: exempt from the funding fee, for example a service-connected disability rating.

statestring

Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.

propertyTaxRatePercentnumber

Annual property tax as a percentage of home value. Omit and pass state instead to use that state's average.

Response

Calculation result.

dataobject

The calculation result.

Changes

No recorded changes to this operation across all 1 revision of this API.