Direct AnswerEstimate buyer closing costs in any of the 23 markets Brian covers: lender, escrow, title, recording, and prepaids, plus the county and City-of-LA transfer taxes shown separately (customarily seller-paid locally, always negotiable). Defaults load each market's June 2026 median from /data.json — edit everything.

The calculator

Buyer-side estimate: lender/escrow/title/recording + prepaids. Transfer taxes shown separately (customarily seller-paid locally; negotiable).

Assumptions, stated plainly

Defaults are editable and conservative: they exist to frame conversations, not replace quotes. Title/escrow pricing varies by provider; transfer taxes follow our county tax explainer (the City of LA adds 0.45%; most Ventura cities add nothing beyond $1.10/$1,000); commissions are fully negotiable and entered by you. Verify every line with your lender, escrow officer, and agent before relying on it.

Frequently asked questions

How much are closing costs in California?

Buyer-side typically runs 1.5%-3% of price plus prepaids, varying with loan and provider choices. The calculator itemizes a realistic baseline — verify with your lender's Loan Estimate.

Who pays transfer taxes locally?

Customarily the seller in both counties, but it is negotiable. City of LA addresses add 0.45% city tax; most Ventura County cities add nothing beyond the $1.10/$1,000 county rate.

Related guides: Seller Net Sheet Calculator · Affordability Calculator · County Tax Explainer

Work with Brian Cooper

20+ years and $100M+ closed across Ventura County, the San Fernando Valley, and the Conejo Valley. Direct, data-first representation — you work with Brian, not a hand-off.

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Market figures are approximate and refreshed monthly from MLS and public-record data; school boundaries, tax rates, insurance availability, and program rules change — verify all details independently before making decisions. Brian Cooper, REALTOR® · DRE# 01434286 · eXp Realty · Equal Housing Opportunity.