CapCenter
Get Started

What a ZERO Closing Cost mortgage covers

The lender and third-party fees we waive or pay, and the costs that stay yours.

Published 5 min read

Key takeaways

  • Most lenders charge thousands in fees just to close your loan.
  • CapCenter waives or pays the lender and third-party fees.
  • Prepaid interest, escrow, insurance and government taxes are still yours.

Next step: Estimate your monthly payment

What a ZERO Closing Cost mortgage covers

Most lenders charge thousands just to close.

Origination, appraisal, title and settlement fees add up fast.

Most lenders charge thousands in fees just to close your loan.

We waive or pay

  • Origination fee
  • Appraisal fee
  • Lender’s & owner’s title insurance
  • Settlement agent fee
  • Credit report
  • Flood certification

CapCenter waives or pays the lender and third-party fees.

Still yours

  • Prepaid interest
  • Escrow for taxes & insurance
  • First year of homeowners insurance
  • Government recording taxes
  • Upfront FHA mortgage insurance or VA funding fee
  • Home inspections

Prepaid interest, escrow, insurance, government taxes, upfront FHA mortgage insurance or VA funding fees and inspections are still yours.

ZERO Closing Costs

That’s ZERO Closing Costs, on purchases and primary-residence refinances (restrictions apply; see Offer details).

Frequently asked questions

Are there really no closing costs?

CapCenter waives or pays the lender and third-party fees: origination, appraisal, lender’s and owner’s title insurance, settlement, credit report and flood certification. Prepaid interest, escrow deposits, homeowners insurance, government recording taxes, upfront FHA mortgage insurance or VA funding fees and home inspections are still yours.

Is the rate higher to make up for it?

We publish competitive market rates every day, and those rates already come with ZERO Closing Costs. You can compare our rate against any lender’s Loan Estimate.

Does it apply to refinances?

Yes. ZERO Closing Costs applies to purchase and refinance loans, including Conventional, FHA and VA. Restrictions apply. For an investment-property or second-home refinance, ask your loan consultant whether it applies.

For general information only. Program rules and limits vary. Not a commitment to lend. NMLS ID #67717.

Keep learning

ArticleSell a home

List for 1% and Buy with ZERO Closing Costs

Sell your home for just 1% and buy with ZERO Closing Costs. Learn how CapCenter’s integrated real estate and mortgage model saves you thousands.ArticleSell a home

Sell ZERO Listing Fees + Buy ZERO Closing Costs

Sell your home with ZERO Listing Fees and buy with ZERO Closing Costs. A smarter way to move this spring with CapCenter.ArticleTake cash out

ZERO Closing Cost Home Equity Loans

Learn how CapCenter’s ZERO Closing Cost Home Equity Loans let you access your equity without fees. Keep your low mortgage rate and save thousands

Get Pre-Approved

Capping costs since 1997.

Get Pre-ApprovedSee my savings