Closing Costs by State
Compare average closing costs, transfer taxes, and detailed fee breakdowns across all 50 states. Know exactly what to expect before you close on your next property.
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Closing Costs FAQ
What are closing costs and who pays them?+
Closing costs are fees paid at the end of a real estate transaction beyond the property price itself — including title insurance, appraisal fees, attorney costs, recording fees, and prepaid taxes. Both buyers and sellers pay closing costs, though the split varies by state and is often negotiable.
What is the average closing cost in the US?+
Buyers typically pay 2-5% of the purchase price. On a $400,000 home, that translates to $8,000-$20,000. Seller closing costs run 6-10% when including the real estate commission. CoreLogic's 2024 report pegged the national average buyer closing cost at approximately $6,905 excluding transfer taxes.
Why do closing costs vary so much between states?+
Three factors drive state-by-state differences: transfer tax rates (New York charges up to 1.4% while Oregon charges zero), attorney requirements (some states mandate an attorney at closing while others don't), and title insurance pricing which is regulated differently in every state.
Can closing costs be negotiated?+
Several closing costs are negotiable. Buyers can shop for title insurance and lender fees under TRID rules. Sellers can offer closing cost credits (concessions) — up to 6% on conventional loans and 4% on FHA loans. In competitive markets, though, asking for concessions can weaken your offer.
Are there ways to reduce closing costs?+
Compare Loan Estimates from at least three lenders to find lower origination fees. Ask your agent about lender-paid closing cost programs. Some states offer first-time buyer closing cost assistance grants through their housing finance agencies.