Use this calculator to find your exact break-even point for a mortgage refinance in California. With average closing costs of $1,058 in California, we've pre-filled the closing cost field — adjust it to match your actual loan estimate.
Pre-filled with California average
California does not impose a mortgage transfer tax on refinance loans. This keeps average closing costs relatively low at 0.32% of the loan amount.
California refinance closing costs average 0.32% of the loan amount. On the national average refinance loan of $330,622, that works out to approximately $1,058 in total closing costs.
No. California is an escrow state, not an attorney state. Refinances are typically handled by escrow and title companies without requiring a licensed attorney at closing.
California refinance closing costs typically include lender origination fees (0–1% of loan), appraisal ($400–$700), title insurance, escrow fees, and recording fees. California has no state transfer tax on refinances, keeping total costs lower than many other states.