Stop overpaying on life's biggest financial decisions.

Your Closing Disclosure lists every fee you'll pay at closing. To check it, compare each line item against fair-market benchmarks for your state — title insurance, origination fees, recording fees, and more. Our Fair Closing Check audits every fee automatically against state-specific data and flags junk fees, inflated charges, and TRID violations in 60 seconds.

Compare your Loan Estimate against current market rates and typical lender fees. Key items to scrutinize: your interest rate vs. the market average, origination charges, discount points, and third-party fees. Our Fair Loan Check benchmarks your Loan Estimate against market data and identifies your top savings opportunities — with a ready-to-send counter-offer email.

Closing costs typically range from 1% to 5% of the home purchase price, depending on your state. On a $400,000 home, that's $4,000 to $20,000. The biggest variables are title insurance (regulated differently in every state), transfer taxes, and whether your state requires an attorney at closing. See closing costs by state for a detailed breakdown, or read our state-by-state guide.

Yes — many closing costs are negotiable, especially lender fees like origination charges, processing fees, and rate lock fees. Third-party services like title insurance and home inspections can often be shopped for lower prices. The key is knowing which fees are negotiable and what a fair price looks like in your state. Read our guide to negotiating closing costs for specific strategies.

Junk fees are charges added to your Closing Disclosure that are inflated, duplicated, or have no clear purpose — things like "administrative fees," "document preparation fees," or "courier fees" that may cost $200–$500 each. They add up fast: the average Closing Disclosure contains over $2,000 in negotiable fees. Learn how to spot them in our junk fees guide.