To calculate the closing costs when buying a property in the United States, there are essentially 2 categories of costs.

First, the ones that are associated when obtaining a loan for the purchase of the property. The costs varies from lender to lender, and also from a particular type of loan to another (e.g. fixed versus ARM = Adjustable Rate Mortgage).

Second, there are also costs which are associated with proration of taxes, transfer taxes, and other non-recurring costs. Click here for an estimator from First American Title, an escrow/title company active in California.