Estimate your total closing costs for any state. See the full breakdown of lender fees, title insurance, transfer taxes, and prepaid items — plus a reference table for all 50 states.
Estimates based on industry averages as of 2026. Actual costs vary significantly by lender, property, and local market conditions. Request a Loan Estimate (LE) from your lender — they are required by law to provide one within 3 business days of your application.
Average closing costs as a percentage of home price, transfer tax status, and typical total for a $350,000 home. Data based on industry averages — 2026.
| State ↕ | Avg % of Price ↕ | Est. Total ($350k) ↕ | Transfer Tax | Notes |
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* Percentages include lender fees, title, government taxes, and prepaids. Transfer tax rates vary by county. Data for educational purposes — verify with your lender.
Closing costs are the bundle of fees due when a home purchase or refinance officially closes, typically running 2-5% of the loan amount. They break down into a few categories: lender fees (origination charge, underwriting, application fee), third-party fees (appraisal, credit report, title search and insurance, attorney or escrow fees), and prepaid items (the first chunk of property tax and homeowner's insurance the lender collects upfront to fund your escrow account). Prepaid items aren't really a "cost" in the traditional sense — you'd owe that tax and insurance regardless — but they do show up as cash due at closing, which is why the calculator includes them.
Federal law requires lenders to give you a Loan Estimate within three business days of application and a Closing Disclosure at least three business days before closing — both documents itemize every fee, so you can compare the estimate above against your actual paperwork and flag anything that looks off before you sign.
Each state's percentage estimate in this calculator is built from industry-average closing-cost ranges and each state's publicly known transfer-tax and recording-fee structure — whether a state levies a real estate transfer tax, how it's typically split between buyer and seller, and roughly where that state falls relative to the national average. These are directional planning estimates, not a quote: actual closing costs on any individual transaction depend on your specific lender's fees, the title company you use, your loan amount and type, local county recording fees, and negotiated seller concessions, all of which can move the real number meaningfully above or below the state average shown here.
Because state transfer-tax rules and typical lender fee ranges can change, and because this is an average rather than a live fee schedule from any specific title company or lender, treat the percentage above as a starting budget number for how much cash to have ready at closing — not as the figure to hold your actual lender to. Your Loan Estimate and Closing Disclosure, both discussed above, are the documents with real legal weight.
When your real Loan Estimate arrives, don't just check the bottom-line total against this calculator — check it against itself over time as you shop multiple lenders. Line up the "Loan Costs" section (origination charges, application fee, underwriting fee) side by side across lenders first, since that's the portion you can actually negotiate or shop away; "Other Costs" like recording fees, transfer taxes, and prepaid escrow items are largely fixed regardless of lender. If your total closing costs come in well above this calculator's state estimate, ask your loan officer to itemize which specific line items are driving the difference — that's a legitimate question, and a lender should be able to answer it clearly.
Roughly speaking, closing costs split into three buckets. Lender-controlled fees (origination charge, application fee, underwriting fee, and — in states without a fixed rate — the rate itself) vary meaningfully between lenders and are worth shopping. Third-party fees you can shop (title insurance and settlement/escrow services, in states that allow it, plus your own attorney if one is involved) can sometimes be shopped separately from your lender's preferred provider. Fixed government fees (recording fees, state and local transfer taxes, and in some states a mortgage tax) don't change no matter who you work with — they're set by statute and shown in the state breakdown above. Knowing which bucket a fee falls into tells you whether it's worth negotiating or just a cost of doing business in your state.
The loan-type selector above (Conventional, FHA, VA, USDA) matters for closing costs beyond just the interest rate. FHA loans carry an upfront mortgage insurance premium in addition to ongoing monthly MIP, both separate from a conventional loan's PMI structure. VA loans replace PMI entirely with a VA funding fee — typically waived for veterans with a qualifying service-connected disability — which itself varies based on down payment size and whether it's a first or subsequent use of VA loan benefits. USDA loans similarly carry their own upfront and annual guarantee fees rather than conventional PMI. None of these loan-type-specific fees are set by your state; they're federal program rules that apply the same way regardless of where you're buying, layered on top of the state-driven transfer tax and recording fee differences this calculator estimates.
First-time buyer status (the toggle above) doesn't change government fees, but it can unlock state or local down-payment-assistance and closing-cost-assistance programs in many states — those aren't reflected in this calculator's estimate since eligibility and program availability vary by state, county, and even city. If you select "Yes," it's worth asking your loan officer specifically whether a first-time-buyer program in your area could offset part of the total shown here.
The estimate above uses industry-average ranges. These state pages go further — actual statutory transfer-tax rates, bracket structures, real recording fees sourced to the county recorder, and a full worked example, each independently verified against a primary government source.
All 50 states are now covered — this is the complete portfolio of detailed, sourced state closing-cost pages.