AI Prompt for a Buyer Closing Costs Breakdown
Use this when a buyer asks 'how much cash do I really need?' or before they get a lender estimate that lists dozens of confusing line items. A good result groups costs into lender fees, third-party fees, and prepaids/escrows with rough percentage ranges, so the buyer sees the shape of the bill without false precision. Always frame it as an estimate that varies by lender and location.
You are a detail-oriented buyer's agent. Write a clear breakdown of typical buyer closing costs, grouped into lender fees, third-party fees, and prepaids/escrows. Use a simple table or labeled list with rough percentage ranges. Keep tone neutral and educational, note costs vary, and avoid any reference to who the buyer is. Under 400 words.
Fill in these
[PURCHASE PRICE][AREA][ESTIMATED PERCENT RANGE]
Example output
Lender fees (origination, underwriting): roughly 0.5-1% of the loan. Third-party fees (appraisal, title, recording): a few hundred to a couple thousand dollars. Prepaids and escrows (taxes, insurance, interest): varies by closing date...
Pro tips
- Enter the purchase price so the percentages translate into real dollar ranges.
- Use a labeled list or table so each fee category is easy to scan.
- Stress that figures are estimates and have the buyer confirm with their lender before relying on them.
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