San Diego Closing Cost Estimator
Get an itemized estimate of the costs you'll pay at closing. Most San Diego buyers see total closing costs of 2-5% of the purchase price.
San Diego Closing Cost Estimator
Get a detailed estimate of your closing costs based on San Diego averages.
Loan amount: $675,000
Lender Fees
$3,925| Origination fee (0.5%) | $3,375 |
| Appraisal | $500 |
| Credit report | $50 |
Title & Escrow
$6,113| Title insurance (lender) | $2,363 |
| Title insurance (owner's)(optional) | $1,875 |
| Escrow fee | $1,750 |
| Recording fees | $125 |
Prepaids
$6,566| Home inspection | $500 |
| Termite inspection | $100 |
| Prepaid property tax (3 months) | $2,344 |
| Prepaid insurance (14 months) | $1,750 |
| Prepaid interest (15 days est.) | $1,872 |
Estimated Total Closing Costs
2.2% of purchase price
$16,604
This is not a loan approval or commitment to lend. Results are estimates only.
What are closing costs?
Closing costs are the fees and expenses you pay when finalizing your home purchase, beyond the down payment. In San Diego, these typically range from 2% to 5% of the purchase price, depending on your loan type and situation.
Breakdown of San Diego closing costs
Lender fees
Loan origination fee covers the lender's cost to process your loan. It typically ranges from 0% to 1% of the loan amount. Some lenders charge no origination fee but compensate with a slightly higher interest rate.
Appraisal is required by the lender to confirm the home's value supports the loan amount. In San Diego, expect to pay around $500 for a standard single-family appraisal.
Title and escrow
Title insurance protects against ownership disputes. The lender's policy is required; the owner's policy is optional but recommended. In California, it's customary for the seller to pay for the owner's title policy in Southern California, but this is negotiable.
Escrow fees cover the neutral third party who handles the transaction. In San Diego, escrow fees are typically split between buyer and seller.
Prepaid items
At closing, you'll prepay several months of property tax, a year of homeowner's insurance, and daily interest from your closing date to the end of the month. These aren't technically "fees" — they're costs you'd pay anyway, just collected upfront.
Loan-type-specific costs
FHA loans require an Upfront Mortgage Insurance Premium (UFMIP) of 1.75% of the loan amount, which is typically financed into the loan.
VA loans have a funding fee (2.15% for first-time use), which can also be financed. This fee is waived for veterans with a service-connected disability.
Ways to reduce closing costs
- Negotiate seller credits (the seller pays some of your closing costs)
- Ask about lender credits (higher rate in exchange for lower fees)
- Use down payment assistance — some programs include closing cost grants
- Shop around for title and escrow services
- Close toward the end of the month to reduce prepaid interest
A local mortgage professional can give you a detailed Loan Estimate with your actual closing costs.
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