---
title: "Itemise closing costs"
method: POST
path: "/api/v1/estimate-closing-costs"
tags: ["calculations"]
---

# Itemise closing costs

`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

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.

## Request body

- object: Itemised buyer closing costs and total cash needed at the table.
  - `homePrice` number, required: Purchase price of the home in US dollars.
  - `downPaymentPercent` number: 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.
  - `annualInsurance` number: Annual homeowners insurance premium.
  - `escrowMonths` integer: Months of taxes collected up front to open the escrow account.
  - `transferTaxPercent` number: State and local transfer tax as a percentage of price. Varies enormously by state.
  - `vaSubsequentUse` boolean: VA only: entitlement has been used before.
  - `vaExemptFromFundingFee` boolean: VA only: exempt from the funding fee, for example a service-connected disability rating.
  - `state` string: Full US state name, for example "Texas". Used to look up the average property tax rate. Either this or propertyTaxRatePercent is required.
  - `propertyTaxRatePercent` number: Annual property tax as a percentage of home value. Omit and pass `state` instead to use that state's average.

## Response `200`

Calculation result.

- object
  - `data` object: The calculation result.
  - `meta` object
    - `operation` string
    - `computedAt` string, date-time

## Other responses

- `400`: Input failed validation. The message names the offending field.
- `429`: Rate limit exceeded. Retry after the interval in Retry-After.

---

[API](https://skmtc.dev/usmortgagecalc/apis/us-mortgage-calculator-api.md) · [All operations](https://skmtc.dev/usmortgagecalc/apis/us-mortgage-calculator-api/llms.txt) · [OpenAPI document](https://skmtc.dev/usmortgagecalc/apis/us-mortgage-calculator-api/revisions/4439848058a8?raw)