Create a seller’s net sheet in seconds. CostsFirst automatically estimates the loan payoff, imports and prorates the most recent available property taxes, and applies closing costs configured for the property’s location.
Your agency’s branding. Your choice of name.
Use CostsFirst or offer the platform under your own product name.
Closing cost expertise since 1981. Powered today by AI and real-time data.
Loan payoff estimated automatically Property taxes imported and prorated Virtually no training required
Fast CalculationsEstimates in Seconds
Market-Specific CostsLocalized by County, City & ZIP
Live, Property-Specific Data
10M+ Net Sheets Generated
Trusted by Thousands Nationwide
The challenge
Closing Cost Estimates Shouldn’t Be Complicated
Real estate professionals need to answer one of the most important questions sellers ask:
“How much will I actually walk away with?”
Title and escrow fees, transfer taxes, recording fees, local costs, and transaction variables make a reliable answer difficult. CostsFirst makes that process simple.
Built for your market and brand
Closing Costs Tailored to Each Market
CostsFirst combines market-configured fees with applicable city- and ZIP-code-based calculation rules, while keeping the title company’s branding visible throughout the experience.
CostsFirst goes beyond static stored data. When an address is entered, the platform retrieves live, property-specific information to help create a more current and localized closing cost estimate.
Fully Branded
Your title company’s branding appears throughout the platform and completed net sheets, keeping your company visible to agents and their clients.
City & ZIP Code Tax Logic
Applicable sales, excise, and transfer tax calculations can use city- and ZIP-code-based rate data.
Flexible User Customization
Users can save county-specific defaults and edit, add, relabel, or remove costs for an individual transaction.
How It Works
Create a Seller Net Sheet in Seconds
01
Enter the property and transaction information.
02
CostsFirst calculates the applicable estimated closing costs.
03
Generate a professional seller net sheet in seconds.
CostsFirst gives users the flexibility to choose the experience that best fits the way they work.
Guided calculator
Enter the Address and Sales Price. CostsFirst Does the Rest.
After the property is selected, CostsFirst automatically populates the available property-tax information and estimated mortgage balance. The most likely transaction selections—including commissions, closing date, and other applicable defaults—are already selected. Users can accept the defaults or adjust any detail before calculating.
Tap to enlarge
Screen 1 of 2 — Find the Property
Tap to enlarge
Screen 2 of 2 — Enter the Sales Price
Property data and localized costs are prefilled automatically. Just enter the sales price—the remaining fields are already populated with the most likely selections and remain fully editable.
Classic calculator
Review and Customize Every Detail
The complete calculation opens in Classic view, where users can review, add, remove, relabel, or modify individual costs for the transaction. Fees can be calculated as flat amounts, percentages of the sales price, or percentages of the loan amount.
Tap to enlarge
Classic View — Review, Customize, and Share
Prefer the traditional layout? Quick Calculator opens Classic directly. Enter the sales price; the remaining fields are prefilled and editable.
Review every fee in one place
Customize labels, amounts, and calculation methods
Save the calculation, download a PDF, print, email, or text the completed net sheet.
Choose how you want to work: start with a property in Guided, or begin directly in Classic with Quick Calculator. Guided calculations can be opened in Classic anytime for complete review and customization.
Calculator modules
One Platform for Every Closing-Cost Conversation
CostsFirst provides more than seller net sheets. Its specialized calculator modules help real estate professionals prepare buyer estimates, refinance calculations, reverse seller-net scenarios, and quick buyer or seller calculations—all using market-configured defaults that can be customized for the individual transaction.
Most Used
Seller’s Net Sheet
Create an estimated seller net sheet using market-configured fees and property-specific information. The Guided workflow can populate available property-tax information and estimate the mortgage balance, while Classic view allows every applicable cost and assumption to be reviewed or changed.
Buyer’s Estimated Closing Cost Sheet
Enter the sales price to calculate estimated buyer closing costs using the applicable market-configured fees and calculations. Review or customize the transaction details whenever needed.
Seller2Net
Start with the amount the seller wants to receive after estimated costs are paid. Seller2Net works backward to calculate the approximate sales price needed to reach that goal—helping clients decide whether selling makes financial sense.
Refinance
Prepare an estimated breakdown of refinance closing costs using the applicable market-configured fees, with the flexibility to adjust transaction details and individual costs.
Quick Calculator
Open the Classic buyer or seller calculator directly. Enter the sales price to return the applicable estimated fees, then customize any labels, amounts, calculation methods, or transaction assumptions as needed.
Save calculations and reopen previously created sheets whenever updates are needed.
Built for everyday use
Simple Enough for Anyone to Use
Market-Specific Calculations
Estimates use configured county-level fees and applicable city- and ZIP-code-based calculation rules.
Net Sheets in Seconds
Create estimated seller proceeds quickly without manually calculating every fee.
Scenario Planning
Change the sale price or transaction details and quickly see the updated estimated seller net.
Easy for Agents and Clients
Agents and clients can create net sheets with virtually no training required.
Property Tax Estimates
Imports the most recent available annual property taxes and prorates them based on applicable market assumptions.
Estimated Loan Payoff
Uses available county loan information and amortization assumptions to calculate an estimated mortgage payoff.
Local Closing Costs
Accounts for configured title premiums, settlement or escrow charges, transfer charges, recording fees, HOA costs, and other applicable local expenses.
Works Across Devices
Accessible on desktop, tablet, and mobile so users can create net sheets wherever they work.
Configured for Each Market
Allows title companies to establish county-specific fees, labels, calculation methods, responsibilities, and assumptions for each market they serve.
For Title Companies
A Better Tool for Your Realtor Partners
CostsFirst gives title companies something genuinely useful to put in the hands of their real estate partners.
Instead of simply asking agents for their next closing, give them a tool they can use with sellers throughout the listing process. Provide value before the transaction ever reaches the closing table.
More than a closing cost calculator, CostsFirst is a business-development platform that helps title companies provide ongoing value to real estate professionals, stay visible throughout the listing process, and strengthen agent relationships.
Give agents an everyday business tool
Simplify seller conversations
Keep your title company visible throughout the listing process
