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The typical closing costs are 2% to 5% of the price of the home. That can be a large difference. On a $350,000 home that is the difference between $7,000 and $17,500.To find out what your closing costs will be you can use an online calculator.he typical closing costs are 2% to 5% of the price of the home. That can be a large difference. On a $350,000 home that is the difference between $7,000 and $17,500.
The general rule of thumb is that you don't refinance unless you can save at least a full percentage point off your current interest rate. In reality, however, the key question is whether you can reduce your interest rate enough to offset your closing costs-and that depends on how long you plan to stay in the home.Here's how it works: Suppose you've got a $250,000 30-year mortgage at 4.5 percent.he general rule of thumb is that you don't refinance unless you can save at least a full percentage point off your current interest rate. In reality, however, the key question is whether you can reduce your interest rate enough to offset your closing costs-and that depends on how long you plan to stay in the home.