Fulton County, GA Closing Cost Calculator
Estimated closing costs for a home purchase in Fulton County including GA-specific transfer taxes.
Estimated closing costs for a $430,000 home with 20% down
Low estimate
$5,877
High estimate
$10,970
Cost Breakdown (Mid Estimate)
| Origination Fee | $2,580 |
| Title Insurance | $1,376 |
| Appraisal | $600 |
| GA Transfer Taxes & Fees | $630 |
| Prepaid Items (escrow) | $2,150 |
| Other Fees | $500 |
| Total (Mid) | $7,836 |
Estimates only. Actual costs vary by lender and transaction.
Local Home Values & Affordability
Fulton County's median home value of $430,000 runs about 39% above the US median of $310,000, reflecting strong local demand.
A 20% down payment on a median Fulton County home requires $86,000 in cash — or $15,050 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Property Tax in This Market
Based on the 1.14% effective rate and a median home value of $430,000, a typical homeowner in Fulton County pays approximately $4,902 in annual property taxes — or $409 per month added to their mortgage payment.
Fulton County's property tax rate of 1.14% is close to the national average of 1.10%. On a median-priced home of $430,000, expect an annual tax bill of approximately $4,902.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Fulton County runs approximately $1,800/year ($150/month), in line with the national average of $1,600.
Premium quotes in Fulton County typically range from $1,200 to $2,700 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Fulton County home ($430,000) with FHA's minimum 3.5% down would borrow $414,950 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $344,000 stays $488,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
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