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Buyer closing costs

An itemized estimate of your cash to close in Oklahoma — lender fees, title charges on the actual Oklahoma rate card, prepaid interest, and escrow for taxes and insurance.

Estimated cash to close

$72,324

Down payment plus closing costs and prepaids, minus your earnest money and any seller credit.

Assumes a $300,000 price, 20% down, 30-year fixed rate at 7.24% (APR 7.24%). Includes taxes and insurance; mortgage insurance not included. APR assumed equal to the rate; actual APR will be higher with lender fees. Estimate only. Not a loan offer or commitment.

Down payment: $60,000
Closing costs and prepaids: $15,324
Credits (earnest money, seller-paid costs): -$3,000
Cash to close: $72,324

Itemized estimate

Broker's Fees

Transaction Fee (Homestead): $495

Items Payable in Connection with Loan

Loan Origination Fee (1%): $2,400
Appraisal Fee: $500
Credit Report: $50
Tax Service Fee: $85
Shipping Fee: $35
Underwriting Fee: $500
Document Prep/Processing Fee: $250
Flood Certificate: $15

Items Required by Lender Paid in Advance

Prepaid Interest (16 days @ $47.61/day): $762
Hazard Insurance Premium (1 year): $5,800

Reserves Deposited with Lender

Hazard Insurance (3 months): $1,450
County Property Taxes (2 months): $661
Aggregate Adjustment (RESPA): -$483

Title Charges

Settlement or Closing Fee: $450
Final Title Report: $150
Title Examination: $200
Closing Protection Letter (CPL): $25
Title Insurance — Lenders coverage: $1,020
Title Insurance — Owner's coverage: $100
Gap Check: $35

Gov't Recording & Transfer

Recording Fees: $25
OK Mortgage Registration Tax: $240
Mortgage Certification: $10

Inspections & Additional Charges

Wood Infestation Inspection (Pest): $150
Home Inspection: $400

Title and closing figures use the Chicago Title Oklahoma rate card effective August 1, 2026. Other title companies charge different rates, and the company for a transaction is chosen at contract.

Assumptions

Title and closing fees: Chicago Title OK card; Chicago Title Oklahoma rate card effective Aug 1, 2026; Homestead transaction fee $495.
Lender fees: 1% origination + fixed fees; Appraisal $500, underwriting $500, credit report $50. Lenders vary.
Rate: 7.24%; Freddie Mac PMMS 30-year, week of Oct 29, 2026
Buyer broker compensation: $0 (seller-paid); On most purchases the seller pays the buyer’s agent; enter an amount only if your buyer agreement says otherwise.
Closing date: Dec 16, 2026; Sets prepaid interest and the property-tax escrow months.

Rate: Freddie Mac Primary Mortgage Market Survey 30-year fixed average for the week of Oct 29, 2026, via FRED. An average, not a quote.

Insurance: about $5,800/yr for a $300,000 Oklahoma home, scaled by price (Oklahoma average, InsuranceNewsNet and Insurify 2026 studies). Your quote depends on the home, roof, deductible and insurer.

Every assumption is editable. Change any of them to see your own numbers.

Your first year of insurance is due at closing

Lenders collect a full year's homeowners premium plus escrow. Get a real quote from a licensed local agent so this line is your number, not an estimate.

Liberty Link Group · licensed insurance agency

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Affiliated Business Arrangement disclosure: Homestead & Co's owner has an ownership interest in Liberty Link Group, an insurance agency. Because of that relationship, this referral may provide the owner a financial or other benefit.

You are not required to use Liberty Link Group as a condition of buying, selling or owning any home. You are free to buy insurance from any agent or company you choose.

Homestead & Co and its agents are paid no fee for this referral.

I have read the disclosure above and choose to have Homestead & Co send my request to Liberty Link Group.I agree that Liberty Link Group may contact me about an insurance quote by phone call, text message and email at the number and email I entered, including by automated means. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out of texts.

Leave this unchecked and they will contact you by email only.

Liberty Link Group is a licensed Oklahoma insurance agency. A licensed agent will contact you.

A quote is not a policy or a binder. Coverage depends on the insurance company's review.

Your request also goes to your Homestead & Co agent. We share only what you type here plus the general price range you were looking at.

Get a lender's estimate

A loan officer can give you an official Loan Estimate with their actual fees and rate. Free, and it does not commit you.

Kurt Swink · Financial Concepts Mortgage

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Relationship disclosure: Homestead & Co's owner is a licensed mortgage loan officer with Financial Concepts Mortgage. Because of that relationship, this referral may provide the owner a financial or other benefit.

You are not required to use Financial Concepts Mortgage or Kurt Swink. You are free to choose any lender, and shopping more than one lender may save you money.

Homestead & Co and its agents are paid no fee for this referral.

I have read the disclosure above and choose to have Homestead & Co send my request to Financial Concepts Mortgage.I agree that Financial Concepts Mortgage may contact me about a mortgage pre-approval by phone call, text message and email at the number and email I entered, including by automated means. Consent is not a condition of any purchase. Message and data rates may apply. Reply STOP to opt out of texts.

Leave this unchecked and they will contact you by email only.

Kurt Swink, NMLS #207515 · Financial Concepts Mortgage, NMLS #181632.

This is not a loan application, a rate quote, an offer of credit or a commitment to lend. Loan approval depends on the lender's review.

Equal Housing Opportunity.

Your request also goes to your Homestead & Co agent. We share only what you type here plus the general price range you were looking at.