Buying or selling a home and blindsided by fees at the table? This closing cost calculator gives buyers and sellers a clear, line-by-line estimate of cash to close and net proceeds before you sign anything. It’s an auto-calculating spreadsheet in Google Sheets and Excel formats, no add-ons or plugins required.

WHO IT’S FOR

• First-time home buyers estimating cash to close
• Home sellers calculating net proceeds after agent commission
• Real estate agents prepping buyer and seller net sheets
• FSBO sellers and investors comparing offers side by side

WHAT YOU GET

• Buyer closing cost calculator: loan fees, escrow, title, taxes, prepaids
• Seller net sheet: commission, payoff, transfer tax, concessions, net proceeds
• Editable rate and percentage inputs that update every total instantly
• Both file versions included: Google Sheets link and .xlsx download

HOW IT WORKS

1. Open the Google Sheet and make a copy, or download the Excel file.
2. Enter your purchase price, loan amount, and local fee rates.
3. Read your cash to close or net proceeds, then print or share the summary.

WHY GROWTORIA
Built by operators, human-tested on real transactions, and we reply to every question within 48 hours.

POLICY
Instant digital download, no physical item. Sales are final once delivered. A faulty file? We fix or replace it. Buy once, no subscription.