Free Resource · Real Estate
Chicago Closing Costs Worksheet — 2026
A 4-page worksheet showing exactly what buyers and sellers pay at a Chicago closing. Cook County recording fees, transfer-tax stamps, title insurance, attorney fees, prorations. Includes blank rows you can fill in for your specific transaction.
Most buyers and sellers learn what they owe at the closing table — when it's too late to negotiate. This worksheet is what we wish every client read before signing the contract.
What's in the PDF
- Page 1 — Buyer-side cost breakdown with line-by-line cost categories: closing attorney fee ($650), lender fees, prepaid escrow, recording fees, title insurance (if buyer pays), inspection costs, survey, transfer-tax stamps if applicable.
- Page 2 — Seller-side cost breakdown including closing attorney fee, real estate brokerage commission, transfer-tax stamps (state, county, municipal), title insurance (typically seller pays), payoff fees, recording fees for releases.
- Page 3 — Tax-proration calculation worksheet with the formula and a worked example for a Cook County closing.
- Page 4 — What's NOT included in your $650 closing fee, with concrete examples of when additional fees apply (commercial, title disputes, ownership-structure complexity).
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Frequently asked questions
Is this really free?
Yes. Enter your name and email — we send you the PDF immediately. We don't sell your email address. We may follow up to ask if you have questions specific to your situation; you can decline at any time.
Can I share this with my real estate broker?
Yes. Brokers regularly send this to clients pre-contract. If you're a broker who'd like to send this to your roster, contact Adam directly and we can co-brand a version for your brokerage.
Does Adam represent buyers, sellers, or both?
Adam represents one side of any given transaction — buyer or seller, never both. He's licensed in Illinois, Wisconsin, New York, Texas, Minnesota, the District of Columbia, plus federal courts.
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