How Much Are Closing Costs? The Real Numbers for 2026
Closing costs typically run 2–5% of the loan amount — $6,300 to $15,750 on a $315,000 mortgage. See the full fee breakdown and which charges you can negotiate.
Read guide →Money Guides
Practical, USA-focused explainers on debt, loans, taxes and saving — written to be genuinely useful.
15 vs 30 Year Mortgage — Which Saves You More?
A 15-year mortgage costs more per month but saves a fortune in interest. See a verified $350,000 example and who each term suits.
Read guide →Can Closing Costs Be Rolled Into a Mortgage?
Yes — through lender credits, a higher loan amount, or a no-closing-cost mortgage. Here is what each option costs you over time.
Read guide →First-Lien HELOC — How It Works
A first-lien HELOC replaces your mortgage with a revolving credit line secured by your home. Here is how the draw and repayment mechanics work.
Read guide →How Much House Can I Afford on a $100K Salary?
On a $100,000 salary, the 28/36 rule suggests about $2,333/month for housing. See what price that buys at different down payments.
Read guide →How to Avoid PMI on a Mortgage
PMI typically costs 0.5–1% of your loan per year. Here are the legitimate ways to avoid it — and when it drops off on its own.
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