Real Broker

DELPHI

The Edge
Why This Calculator Is Different
Because our agents are different — tech-forward and powered by data.

Most agents quote closing costs using Zillow or NerdWallet — generic tools running on national averages that don't know your county, your title company, or your lender. That's why their numbers miss by $300–$1,500 every time, and why their clients get surprised at the closing table.

This calculator is the opposite. Built by our team. Calibrated against real money our real clients actually paid. Connected to live data feeds most agents have never touched.

01
Built on 908 of our team's actual closings
We parsed every line item from 908 ALTA settlement statements — 562 buyer-side, 339 seller-side. Every fee, every credit, every proration. The medians and tier breakpoints here come from real money real clients actually paid. Not Bankrate. Not Zillow. Our deals.
02
Live data feeds, not stale spreadsheets
Property tax pulls from MARIS (the live MLS feed) with ATTOM as fallback. Mortgage rates from FRED PMMS — the Freddie Mac survey itself, refreshed daily. ATTOM AVM for property valuation. Per-county statutory recording fees baked in. Everything we can pull live, we do.
03
Math is math. No AI guessing.
The calculation engine is pure deterministic code — same inputs always produce the same output. RESPA-defensible. Auditable. Most "smart" calculators today route through AI that occasionally hallucinates fees. We don't. The number you see is the number the formula computed, full stop.
04
Calibrated to our actual closing partners
Title fees from One Real Title's published rate schedule. Lender fees calibrated to 161 Delmar Financial deals in our corpus. Per-county recording: $55 St. Clair, $70 elsewhere — the literal numbers. Illinois 105% prior-year tax multiplier with day-by-day proration. Post-NAR-settlement commission structures modeled natively.
05
Reality-checked against 908 closings
Seller tax credits average 1.47% of sale price for $200–350K homes, 1.43% for $350–500K, 1.58% for under $200K, 1.87% for $500K+. Those aren't national averages — they're the team's actual deals, broken out by price band. Quote them with confidence; we have the receipts.
Your agent built this. Most agents wouldn't have.

Most agents are relationship operators — they're good at the human parts. We are too. But we also believe the numbers matter — that getting your closing cost estimate exactly right the first time is part of the job. So we built our own engine. The number you see here is the same engine that powers our team's internal pricing models, our seller net sheets, and our pre-offer cash-to-close analyses. It's the number you'll see at the closing table — usually within $200.

That's the difference between a tech-forward agent and the alternative.