Free Mortgage Itemized Fee Worksheet (Excel)
What's in the mortgage itemized fee worksheet
The workbook has three tabs. Loan Setup holds your loan amount once - every percent-of-loan calculation on the other tabs references this single cell.
Itemized Fees is pre-filled with the standard closing-cost lines by section: origination (loan origination fee, application fee, underwriting fee), title & escrow (title search, title insurance, escrow/closing fee), government recording & taxes (recording fee, transfer tax), and prepaid items (prepaid interest, homeowners insurance, property tax escrow). Enter each amount and section totals plus percent of loan calculate automatically.
Lender Comparison puts the same fee line items side by side for two lenders, with a delta column showing exactly which lender is cheaper on each line and in total - the piece missing from every static PDF fee form.
Auto-totaling worksheet versus the static PDF fee forms
The current top search results for an itemized fee worksheet are almost entirely static, non-calculating PDF forms from lenders, government agencies, and form libraries - fill-and-print documents with no formulas at all.
This worksheet is the opposite: every section subtotal uses SUMIF against the Section dropdown, so re-categorizing a fee updates the section totals immediately, and percent of loan amount recalculates the moment you change the loan amount on Loan Setup.
The one calculating alternative found in the same search results is a payment-amortization calculator - useful for monthly payments, but it doesn't break out or total itemized closing fees at all.
Comparing two lenders' quoted fees side by side
Lender Comparison is a separate tab from Itemized Fees on purpose: Itemized Fees is your single running record for one loan, while Lender Comparison is a shopping tool for when you're deciding between two competing Loan Estimates.
Enter each lender's quoted amount for the same fee line, and the delta column tells you immediately which lender undercuts the other and by how much - useful before you lock in with either one.
This worksheet organizes and compares fee numbers you already have in hand from a Loan Estimate or Closing Disclosure - it doesn't generate, verify, or replace those official lender documents.
How to use it
- On Loan Setup, enter your loan amount once.
- On Itemized Fees, enter the amount for each pre-filled closing cost line - section totals and percent of loan calculate automatically.
- On Lender Comparison, enter the same fees quoted by two lenders - the delta column shows which is cheaper on each line.
Download the free Free Mortgage Itemized Fee Worksheet (Excel)
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See the full versionFrequently asked questions
Does this replace my official Loan Estimate or Closing Disclosure?
No. This worksheet organizes and totals fee numbers you enter from those documents - it's an educational planning and comparison tool, not a substitute for your lender's official disclosures.
Can I use this in Google Sheets?
Yes. Upload the downloaded file to Google Drive, then open it and choose File > Save as Google Sheets. All three tabs and every formula keep working.
Can I add fee lines beyond the pre-filled list?
Yes. The Itemized Fees table has 30 rows total, so add your own lines below the pre-filled ones and assign each a Section from the dropdown so it rolls into the correct section total.
How is percent of loan amount calculated?
Each fee's amount divided by the loan amount entered on Loan Setup. It's IFERROR-protected, so it stays blank instead of showing an error before you enter a loan amount.
What does the delta column on Lender Comparison mean?
Delta is Lender B's amount minus Lender A's amount for each fee line - a negative delta means Lender B is cheaper on that line, a positive delta means Lender A is cheaper.
What's the usage license?
Personal use or use within one business. It's not meant to be resold or redistributed as a template product.