Tools
Closing cost estimator
Understand exactly how much cash you'll need at closing — itemized by fee. Based on real TN & KY averages, updated for 2025–2026.
Loan type
Estimates based on 2025–2026 TN/KY averages. Actual fees vary by county, lender, and title company. Always review your Loan Estimate and Closing Disclosure.
Estimated buyer closing costs
$12,400
Typical range: $8,000 – $20,000
Total estimated
$12,400
Total cash needed at closing
$92,400
Down payment $80,000 + closing costs $12,400