Closing Cost Calculator by County
Closing costs are the fees and prepaid expenses you pay at settlement — typically between 2% and 5% of the loan amount. They vary significantly by state and county due to differences in transfer taxes, title insurance rates, and recording fees. Select your county below to see a detailed estimate.
What’s Included in Closing Costs?
Lender Fees
- Origination fee (0.5–1% of loan)
- Discount points (optional, reduce rate)
- Credit report fee (~$30)
- Appraisal fee ($500–$900)
- Underwriting / processing fee
Third-Party Fees
- Title search and title insurance
- Home inspection ($400–$700)
- Survey (if required)
- Attorney fees (required in some states)
- Recording fees (county-specific)
Transfer Taxes
- State transfer / excise tax
- County or city transfer tax
- Varies widely — 0% (TX, FL) to 2.9% (DC)
Prepaid Items (Escrow)
- Homeowner’s insurance (first year)
- Property tax escrow (2–3 months)
- Prepaid mortgage interest (to month-end)
- PMI premium if < 20% down
State Transfer Tax Highlights
Transfer taxes are one of the largest variables in closing costs and are entirely county- and state-dependent. Here’s a snapshot of how they vary:
| State | Transfer Tax Rate | Notes |
|---|---|---|
| Texas | None | No state transfer tax; recording fees only |
| Florida | 0.70% | Documentary stamp tax; Miami-Dade 0.60% |
| California | 0.11% | State + county rates; LA adds 0.045% |
| New York | 0.40–1.0% | Basic tax + mansion tax for >$1M |
| Illinois | 0.10% | State only; Cook County adds 0.05% |
| Washington DC | 1.1–2.9% | Highest in our dataset; tiered by price |
| Colorado | 0.01% | Documentary fee; very low |
Rates are approximate. County and city taxes may apply in addition to state rates. Consult your title company or closing attorney for precise figures.
Typical Closing Cost Range
On a $400,000 home purchase with 20% down ($320,000 loan), closing costs typically range from $6,400 to $16,000 (2–5% of the loan amount). High-transfer-tax states like New York or DC can push costs to 6–7% of purchase price on higher-priced properties. Low-transfer-tax states like Texas or Colorado typically land at the low end of this range.
Estimate Closing Costs by State
Closing cost estimates are for educational purposes only and will vary based on your lender, purchase price, loan type, and county. Always request a Loan Estimate from your lender before closing.