SBA Loan Closing Costs Calculator
Closing costs on an SBA 7(a) business purchase start at about $9,350, or about $14,200 with real estate, plus the SBA guaranty fee, which depends on the loan size. Most of it can be financed into the loan.
- SBA guaranteed portion
- $375,000 (75%)
- Upfront guaranty fee
- $11,250
- Business valuation
- $2,750
- Closing counsel
- $3,750
- Packaging fee
- $2,500
- UCC searches and filing fees
- $350
- Total upfront costs, starting at
- $20,600
Standard FY2027 guaranty fee, before any waiver. Closing costs are a starting point, not a quote: your lender, your attorney and any third-party reports set the real figure, and interim interest is added at closing.
What the closing costs are
| Item | Starting at |
|---|---|
| Business valuation | $2,750 |
| Closing counsel | $3,750 |
| Packaging fee | $2,500 |
| UCC searches and filing fees | $350 |
| Business purchase, total | $9,350 |
| Real estate appraisal (with real estate) | $2,500 |
| Environmental review (with real estate) | $850 |
| Title insurance and recording (with real estate) | $1,500 |
| With real estate, total | $14,200 |
The same starting figures we use on a new deal. Interim interest is added at closing, and a larger or more complex deal can cost more.
Upfront costs by loan size, starting at
| Loan | Guaranty fee | Business only | With real estate |
|---|---|---|---|
| $150,000 | $2,550 | $11,900 | $16,750 |
| $350,000 | $7,875 | $17,225 | $22,075 |
| $500,000 | $11,250 | $20,600 | $25,450 |
| $700,000 | $15,750 | $25,100 | $29,950 |
| $1,000,000 | $26,250 | $35,600 | $40,450 |
| $2,000,000 | $53,750 | $63,100 | $67,950 |
| $5,000,000 | $138,125 | $147,475 | $152,325 |
Guaranty fee plus the other closing costs above. A starting point to plan with, not a quote. What an SBA loan can pay for at closing.
Questions
How much are closing costs on an SBA loan?
Other closing costs start at about $9,350 on a business purchase (valuation, closing counsel, packaging and filing fees) and about $14,200 with real estate. The SBA guaranty fee comes on top: $11,250 on a $500,000 loan and $26,250 on $1,000,000.
Can closing costs be included in an SBA loan?
Usually yes. The guaranty fee and most closing costs are commonly financed into the 7(a) loan rather than paid in cash.
Estimates for planning, not a loan offer. Rates use Prime of 7.00% as of September 17, 2026. Your lender sets your actual rate, fees and terms.
More worked examples
Straight from the SBA's rulebook
The SBA rules behind these numbers
- Can a broker or consultant charge a fee on an SBA loan?
- Can a lender charge a packaging fee on an SBA loan?
- How much is the SBA guaranty fee?
- Is the SBA guaranty fee waived in 2027?
- What are the fees on an SBA 504 loan?
- What fees can a lender charge on an SBA loan?
- What is SBA Form 159?
- Who pays the SBA annual service fee?