Closing Cost Calculator by State

By NumbersLab · Updated May 2026

Estimate closing costs by state with full line-item detail — including transfer tax, title insurance, attorney fees, and recording fees. Compare all 50 states to see where you'll save and where you'll pay more.

State

Purchase price

Loan type

Estimated Total Closing Costs in Texas

$8,422

2.4%% of $350,000 purchase price · Conventional loan · 10% down assumed

Line-Item Breakdown

Fee	Category	Negotiable	Amount
Origination fee (0.5% of loan)	Lender	Yes	$1,575
Underwriting fee	Lender	Yes	$650
Appraisal	Third-party	—	$525
Credit report	Third-party	—	$45
Title search	Title	Yes	$350
Title insurance (owner's + lender's)	Title	Yes	$2,030
Survey	Third-party	Yes	$450
Recording fees	Govt/loan	—	$175
Escrow prepays (taxes + insurance, ~3 months)	Prepaid	—	$2,525
Flood certification	Third-party	—	$22
Tax service fee	Third-party	—	$75
Total			$8,422

All 50 States — Closing Cost Comparison

Total closing costs on a $350,000 Conventional purchase, ranked low to high. Cheapest: Utah ($5,735). Most expensive: Delaware ($20,842) — a difference of $15,107.

#	State	Transfer tax	Attorney	Total	% of price
1	Utah	None	Optional	$5,735	1.6%%
2	Alabama	None	Optional	$5,773	1.6%%
3	Idaho	None	Optional	$5,878	1.7%%
4	Wyoming	None	Optional	$5,911	1.7%%
5	Arizona	None	Optional	$5,995	1.7%%
6	Indiana	None	Optional	$6,087	1.7%%
7	Montana	None	Optional	$6,100	1.7%%
8	Mississippi	None	Optional	$6,227	1.8%%
9	Colorado	0.01%	Optional	$6,273	1.8%%
10	New Mexico	None	Optional	$6,277	1.8%%
11	Louisiana	None	Optional	$6,283	1.8%%
12	Hawaii	0.2%	Optional	$6,312	1.8%%
13	Alaska	None	Optional	$6,318	1.8%%
14	Missouri	None	Optional	$6,326	1.8%%
15	Oregon	0.1%	Optional	$6,441	1.8%%
16	Kentucky	0.1%	Optional	$6,603	1.9%%
17	California	0.11%	Optional	$6,641	1.9%%
18	Oklahoma	0.075%	Optional	$6,860	2.0%%
19	South Dakota	0.1%	Optional	$6,920	2.0%%
20	Arkansas	0.33%	Optional	$7,250	2.1%%
21	Iowa	0.16%	Optional	$7,267	2.1%%
22	Tennessee	0.37%	Optional	$7,312	2.1%%
23	North Dakota	None	Required	$7,410	2.1%%
24	Minnesota	0.33%	Optional	$7,587	2.2%%
25	Illinois	0.1%	Optional	$7,628	2.2%%
26	Nevada	0.52%	Optional	$7,636	2.2%%
27	West Virginia	0.22%	Required	$7,655	2.2%%
28	Wisconsin	0.3%	Optional	$7,842	2.2%%
29	Nebraska	0.23%	Optional	$7,946	2.3%%
30	Kansas	None	Required	$7,986	2.3%%
31	Ohio	0.4%	Optional	$8,042	2.3%%
32	Virginia	0.25%	Required	$8,110	2.3%%
33	Georgia	0.1%	Required	$8,182	2.3%%
34	Texas	None	Optional	$8,422	2.4%%
35	North Carolina	0.2%	Required	$8,435	2.4%%
36	South Carolina	0.37%	Required	$8,921	2.5%%
37	Maine	0.44%	Required	$9,030	2.6%%
38	Massachusetts	0.456%	Required	$9,363	2.7%%
39	Rhode Island	0.46%	Required	$9,526	2.7%%
40	Michigan	0.86%	Optional	$9,735	2.8%%
41	Florida	0.7%	Optional	$10,045	2.9%%
42	New York	0.8%	Required	$11,447	3.3%%
43	Washington	1.78%	Optional	$12,555	3.6%%
44	New Jersey	1%	Required	$12,653	3.6%%
45	Maryland	1.5%	Required	$12,721	3.6%%
46	Connecticut	1.25%	Required	$12,873	3.7%%
47	Vermont	1.45%	Required	$13,040	3.7%%
48	New Hampshire	1.5%	Required	$13,456	3.8%%
49	Pennsylvania	2%	Required	$14,567	4.2%%
50	Delaware	4%	Required	$20,842	6.0%%

Understanding Closing Costs by State

Closing costs are the fees you pay on top of your down payment to finalize a home purchase — typically 2-5% of the purchase price. On a $350,000 home, that's $7,000 to $17,500. The exact amount depends heavily on which state you're buying in, because closing costs include both fixed national fees (appraisal, credit report, title search) and state-specific fees that vary by 10x or more between cheap and expensive states.

Transfer taxes are the single biggest driver of state-to-state variation. Some states charge no transfer tax at all (Alabama, Texas, California, Idaho, Indiana, Kansas, Louisiana, Mississippi, Missouri, Montana, New Mexico, North Dakota, Oregon, Utah, Wyoming). Others charge 0.5-1% (Florida, Georgia, Tennessee, Virginia). A few charge 2% or more (Delaware at 4%, Pennsylvania at 1-2%, New York at 0.4-2.625% depending on city, Washington at 1.28-3% depending on price). On a $350,000 home, that's a difference of $0 vs. $14,000 just for transfer tax.

Attorney requirements add another $700-$1,500 in states that require an attorney at closing. Eighteen states fall into this category — including Connecticut, Delaware, Georgia, Maryland, Massachusetts, New Jersey, New York, North Carolina, Pennsylvania, and South Carolina. In other states, the title company or escrow officer handles the paperwork, and you can choose whether to hire your own attorney. Required-attorney states are sometimes called "wet" closing states.

Title insurance rates are regulated in three states — Texas, Florida, and New Mexico — where the state insurance commissioner sets the per-thousand rate. In other states, title insurance is competitive, and shopping multiple title companies can save 20-40% on premiums. Most buyers don't realize they can shop title insurance separately from their lender's recommendation. You're paying for it; you should shop it.

Recording fees, survey requirements, and mortgage taxes add smaller but real variation. New York imposes a mortgage recording tax of 1.8-2.8% on the loan amount (yes, in addition to the transfer tax). Florida and a handful of other states require a survey for most purchases ($350-$550). Some counties have higher recording fee schedules than others within the same state.

Loan type affects closing costs too. FHA loans add an upfront mortgage insurance premium of 1.75% — on a $315,000 loan, that's $5,513. VA loans add a funding fee of 1.4-3.6% depending on down payment and prior VA loan use; disabled veterans are exempt. Conventional loans skip the upfront premium but require PMI if down payment is less than 20%. See our closing costs deep dive for the full breakdown of which fees apply to which loan types.

How to Reduce Your Closing Costs

Three strategies meaningfully cut closing costs. First, negotiate lender fees by getting Loan Estimates from at least 3 lenders and asking the others to match or beat. Origination fees, underwriting fees, and processing fees can often be reduced by $500-$1,500 just by asking. Second, shop title insurance independently — call 2-3 title companies directly and compare rates against what your lender recommends; savings of $400-$1,200 are common in competitive states. Third, ask the seller for concessions: in a balanced or buyer's market, sellers commonly contribute 2-3% of the sale price toward your closing costs. FHA allows seller concessions up to 6% of the purchase price; conventional loans cap at 3% for low-down-payment purchases.

Government fees (transfer tax, recording fees) are fixed by law and not negotiable. Required attorney fees in attorney-required states are nearly fixed by local market rates. Everything else is on the table. The buyers who pay the lowest closing costs are the ones who shop the negotiable fees aggressively and ask for seller concessions. The buyers who pay the most are the ones who accept the first quote and never compare.

Frequently Asked Questions

Why are closing costs so different from state to state?

Three factors drive the gap. First, transfer taxes range from 0% (states like Alabama, Texas, California) to 2-4% of the sale price (Delaware, New York). Second, some states require an attorney at closing ($800-$1,500 added), while others don't. Third, title insurance rates are regulated in a few states (Texas, Florida, New Mexico) but competitive elsewhere — competitive states often have lower title costs.

Are closing costs negotiable?

Some are, some aren't. Lender-side fees (origination, underwriting, processing, application) are almost always negotiable. Third-party fees you can shop independently include title insurance, title search, and survey. Government fees (recording, transfer tax) are fixed. You can also ask the seller to cover up to 3-6% of closing costs as part of your offer — common practice in slow markets.

Which states have the lowest closing costs?

Missouri, Indiana, Wyoming, and Nebraska consistently rank among the cheapest — typically $2,000-$3,000 on a $350,000 home. Common features: no transfer tax, no attorney requirement, competitive title insurance market, low recording fees.

Which states have the highest closing costs?

Delaware, New York, Pennsylvania, and Washington, D.C. consistently rank highest — often $10,000-$15,000+ on a $350,000 home. Transfer taxes do most of the damage: Delaware charges 4% (split between state and county), New York charges a state transfer tax plus an NYC-specific tax on city purchases, and Pennsylvania charges 1-2% depending on jurisdiction.

Does the loan type (FHA, VA, conventional) change closing costs?

Yes. FHA loans add a 1.75% upfront mortgage insurance premium (UFMIP) — typically rolled into the loan. VA loans add a funding fee of 1.4-3.6% (waived for service-connected disabled veterans). Conventional loans have no upfront mortgage insurance but do charge PMI monthly if your down payment is less than 20%. See our FHA loan calculator and VA loan calculator for loan-specific math.

How accurate is this estimate compared to my actual Loan Estimate?

This is a state-level estimate based on typical fees and the data sources cited below. Your actual Loan Estimate from a specific lender will vary by ±15-25% depending on the lender's specific fees, the title company used, your loan amount, and county-specific variations. Use this as a budgeting baseline, then refine with quotes from at least 3 lenders.

Sources & Methodology

Transfer tax rates sourced from state departments of revenue and the National Conference of State Legislatures (NCSL). NYC-specific transfer tax additions and Pennsylvania local transfer taxes not included in state-level totals.

Title insurance rates based on American Land Title Association (ALTA) market surveys and state department of insurance promulgated rate filings for Texas, Florida, and New Mexico.

Attorney requirement classification based on state bar association rules and ALTA/ABA closing-state research. State-by-state attorney requirements occasionally change with new case law; verify with a local real estate attorney before relying on this classification for a major decision.

Average closing cost benchmarks cross-referenced with ClosingCorp annual reports and CFPB Loan Estimate sample data.

Methodology note: all calculations assume 10% down payment with a 30-year loan term. Origination is estimated at 0.5% of loan amount; underwriting at a flat $650. Escrow prepays assume a 3-month cushion of taxes plus insurance. Actual closing costs vary by lender, county, title company, and specific loan terms. This calculator is an educational estimate, not a loan offer. See our full data methodology for details.

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