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SBA Loan Closing Costs Calculator

On a $500,000 SBA 7(a) loan, expect about $40,712 upfront: the $11,250 guaranty fee plus an estimated $29,462 in other closing costs. Most of it can be financed into the loan.

See if your deal qualifies
$
SBA guaranteed portion
$375,000 (75%)
Upfront guaranty fee
$11,250
Other closing costs (estimate)
$29,462
Total upfront costs (estimate)
$40,712

Standard FY2027 guaranty fee, before any waiver. Closing costs are an estimate, not a quote: your lender's fees, your attorney and any third-party reports set the real figure.

Estimated upfront costs by loan size

LoanGuaranty feeOther closing costsTotal
$150,000$2,550$10,125$12,675
$350,000$7,875$22,875$30,750
$500,000$11,250$29,462$40,712
$700,000$15,750$35,244$50,994
$1,000,000$26,250$40,439$66,689
$2,000,000$53,750$67,200$120,950
$5,000,000$138,125$168,000$306,125

Closing costs here cover valuation, legal, packaging and similar costs on a business loan without real estate. Real estate adds appraisal, environmental and title costs. An estimate 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?

Using our estimate, a $500,000 loan carries about $29,462 in closing costs plus a $11,250 guaranty fee, and a $1,000,000 loan about $40,439 plus $26,250. Real estate adds appraisal, environmental and title costs.

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

SBA Guaranty Fee CalculatorAll SBA calculators

Straight from the SBA's rulebook

The SBA rules behind these numbers

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