Closing Costs Calculator by State
Select your state, enter the purchase price, and get an itemized breakdown of estimated closing costs for buyers and sellers. Transfer taxes use verified statutory rates. All other items are labeled estimates.
Inputs
Estimated Closing Costs
Itemized Estimate Breakdown
| Fee Item | Who Pays | Estimate Range | Source / Basis |
|---|
All figures are estimates for planning only — not a quote or guarantee. Request a Loan Estimate and Closing Disclosure from your lender for binding figures. Verify current statutory rates with your state's revenue department before closing.
How the Calculation Works
State-Specific Closing Cost Guides
Each state has different transfer tax rates, recording fee structures, and customs around who pays what. Explore our state guides:
- Florida closing costs — Documentary Stamp Tax: 0.70% (§201.02 F.S.)
- Texas closing costs — No state deed transfer tax
- California closing costs — Documentary Transfer Tax: $1.10/$1,000 (RTC §11911)
- New York closing costs — 0.4% state tax + mansion tax on $1M+ sales
- Georgia closing costs — $1 per first $1K + $0.10/$100 thereafter
More Closing Cost Resources
- Closing costs for buyers — what buyers pay and when
- Closing costs for sellers — what sellers pay and when
- Who pays closing costs by state — buyer vs. seller customs
- Title insurance cost by state — typical ranges and what it covers
- Transfer tax by state — verified statutory rates
Frequently Asked Questions
Closing costs typically run 2%–5% of the purchase price for buyers and 1%–3% for sellers. On a $350,000 home, that means roughly $7,000–$17,500 for buyers and $3,500–$10,500 for sellers. The exact amount depends on your state, county, lender, and title company.
Both parties pay closing costs, but different ones. Buyers typically pay lender origination fees, title insurance (lender's policy), recording fees, and prepaid items. Sellers typically pay the state transfer/deed tax, real estate agent commissions, and sometimes the owner's title insurance policy. Who pays what is also negotiable in your purchase contract.
The transfer tax figures are calculated from verified statutory rates (Florida, California, New York, Georgia). Recording fees and title insurance are wide-range estimates based on CFPB-published industry data. Lender origination fees are broad estimates only — your lender is legally required to give you a binding Loan Estimate within 3 business days of application. Never rely on this calculator as a substitute for a real Closing Disclosure.
The calculator currently has verified statutory transfer tax rates for Florida, Texas, California, New York, and Georgia. All other states show "Other state" estimates for non-transfer-tax items. More states will be added as rates are verified against primary sources.
No. Texas is one of the few states with no state-level deed transfer tax. This is verified against the Texas Comptroller of Public Accounts (comptroller.texas.gov). Texas buyers and sellers still pay recording fees, title insurance, and lender fees at closing.