{
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  "@type": "Dataset",
  "name": "What are closing costs on a cash home purchase?",
  "description": "Cash buyers skip every lender fee, so closing costs drop to roughly 0.5–1.5% of price: title insurance, escrow/settlement fee, recording, transfer taxes where applicable, and prorated taxes. On a $400,000 cash purchase, expect $2,000–$6,000 instead of $8,000–$16,000.",
  "url": "https://www.revenuelab.fyi/answers/how-to-calculate-closing-costs-on-a-cash-purchase",
  "dateModified": "2026-10-01",
  "creator": {
    "@type": "Organization",
    "name": "RevenueLab",
    "url": "https://www.revenuelab.fyi"
  },
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "keywords": [
    "Closing Costs Calculator",
    "Rent vs Buy Net Worth Calculator",
    "Down Payment Opportunity Cost Calculator"
  ],
  "distribution": {
    "@type": "DataDownload",
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  "json": {
    "type": "answer",
    "question": "What are closing costs on a cash home purchase?",
    "shortAnswer": "Cash buyers skip every lender fee, so closing costs drop to roughly 0.5–1.5% of price: title insurance, escrow/settlement fee, recording, transfer taxes where applicable, and prorated taxes. On a $400,000 cash purchase, expect $2,000–$6,000 instead of $8,000–$16,000.",
    "tableTitle": "Cash vs financed closing costs on $400,000",
    "columns": [
      "Item",
      "Financed buyer",
      "Cash buyer"
    ],
    "rows": [
      {
        "label": "Origination + appraisal + lender title",
        "value": "$3,500–$5,000",
        "note": "$0"
      },
      {
        "label": "Owner's title + escrow fee",
        "value": "$1,500–$2,500",
        "note": "$1,500–$2,500"
      },
      {
        "label": "Prepaids (tax/insurance/interest)",
        "value": "$3,500–$6,000",
        "note": "$0–$600 (prorations only)"
      },
      {
        "label": "Recording/transfer",
        "value": "$300–$1,500",
        "note": "$300–$1,500"
      },
      {
        "label": "Total",
        "value": "$8,800–$15,000",
        "note": "$1,800–$4,600"
      }
    ],
    "context": "Cash doesn't mean costless: the owner's title policy is arguably more important without a lender forcing the issue, and skipping the inspection is the classic cash-buyer mistake. You can also close in 1–2 weeks instead of 30–45 days, which is itself worth money in competitive markets. One trade-off to model: the cash parked in the house could have earned a return — our rent-vs-buy and opportunity-cost calculators quantify that.",
    "methodology": "Comparison assumes the same $400,000 purchase; financed column uses a 90% LTV conventional loan. Transfer taxes identical either way.",
    "dateModified": "2026-10-01",
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      {
        "label": "Closing Costs Calculator",
        "to": "/closing-costs-calculator"
      },
      {
        "label": "Rent vs Buy Net Worth Calculator",
        "to": "/rent-vs-buy-net-worth-calculator"
      },
      {
        "label": "Down Payment Opportunity Cost Calculator",
        "to": "/down-payment-opportunity-cost-calculator"
      }
    ],
    "relatedReading": [
      {
        "label": "How to calculate closing costs",
        "to": "/answers/how-to-calculate-closing-costs"
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}