Investor Resources

Investment Property Closing Cost Estimator

Non-owner-occupied purchases carry different costs than a primary residence — a bigger down payment, an investment-property rate add-on, landlord insurance instead of a homeowner's policy, and no owner-occupancy perks. Get an itemized estimate of the cash you'll need at the table.

This is an informational estimate only, based on the figures you enter, and is not a substitute for your Loan Estimate or Closing Disclosure. Most lenders also require 2–6 months of PITI in post-closing reserves on an investment loan — ask your lender what your file requires.

Step 1 — Purchase & Financing

Purchase Price

Down Payment

Investment loans typically require 20–25% down, versus 3–10% for an owner-occupant.

Loan Amount

Interest Rate (%) Investment property rates typically run 0.5–0.875 points higher than an owner-occupant rate.

Step 2 — Prepaid Items & Escrow

Days of Prepaid Interest at Closing 15

Roughly the number of days left in the month you close — your lender collects interest from closing through month-end.

Annual Property Tax Amount

Annual Landlord / Dwelling Insurance A landlord (DP-3 / dwelling-fire) policy usually runs higher than an owner-occupant HO-3 policy.

Property Tax Escrow Reserve (months) 3

Insurance Escrow Reserve (months) 2

Your first year's premium is typically paid in full at closing, plus a small reserve cushion held in escrow.

Step 3 — Loan & Title Fees

Loan Origination Fee / Points 1%

Investment Property Rate Add-On (LLPA) 2.125%

Conventional loans charge a Loan-Level Price Adjustment for non-owner-occupied properties — often paid as points at closing or built into the rate. Ask your lender which applies to your loan.

Appraisal Fee (incl. rent schedule)

Credit Report Fee

Lender's Title Insurance (estimate)

Recording Fees

Georgia Intangible Recording Tax Calculated automatically at $1.50 per $500 of loan amount ($25,000 cap).

Attorney / Closing Fees

Home Inspection Fee

Owner's Title Insurance

Include only if you're paying for this instead of the seller.

Termite / Wood Infestation Inspection

Common on Georgia purchase contracts.

Survey Fee

Include if a new property survey is required.

LLC Formation / Registered Agent Fee

Include if you're titling this property in a new or existing LLC.

HOA Transfer / Application Fee

Include if the property is in an HOA community.

Step 4 — Credits Applied

Earnest Money Deposit Already Paid Credited back toward your total at closing.

Seller-Paid Closing Costs / Concessions

Estimated Cash Needed at Closing

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Your estimated total cash to bring to the closing table.

Down Payment

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Closing Costs & Prepaids

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Loan Amount

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Press “Calculate My Closing Costs” to see your full breakdown.

This is an informational estimate only, based on the figures you entered. Actual closing costs depend on your lender, loan program, title company, closing attorney, and the final terms of your loan, and this is not a substitute for your official Loan Estimate or Closing Disclosure. Chuma Hicks-Reese is a real estate professional, not a lender, attorney, or CPA, and makes no guarantee as to the accuracy of this estimate.

Want the exact numbers for your purchase?

This estimate is a starting point. Let's talk through your specific closing costs and financing options.