Buyer closing costs by state
What buyers pay at closing in every state, on a typical home with 20% down. Pick a state for each line of costs. Or run any address in the buyer net sheet calculator.
How much are buyer closing costs?
In the middle state, a buyer pays about 2.1% of the price in closing costs. That is on a typical home with 20% down. Costs run from 1.3% in California to 4.3% in Delaware. Cash to close also counts the down payment and prepaids, like insurance and interest.
Some states also tax the buyer's new mortgage. That adds to closing costs there. 9 states have a mortgage tax. They are Alabama, Florida, Georgia, Louisiana, Minnesota, New York, Oklahoma, Tennessee and Virginia.
| State | Typical price | Closing costs | Cash to close (20% down) |
|---|---|---|---|
| Alabama | $200,000 | $5,435 | $46,851 |
| Alaska | $345,000 | $5,595 | $76,871 |
| Arizona | $455,000 | $6,606 | $101,060 |
| Arkansas | $195,000 | $4,834 | $44,144 |
| California | $835,000 | $10,570 | $187,528 |
| Colorado | $560,000 | $7,160 | $123,551 |
| Connecticut | $335,000 | $8,151 | $79,851 |
| Delaware | $350,000 | $15,180 | $88,878 |
| District of Columbia | $735,000 | $22,146 | $175,814 |
| Florida | $370,000 | $8,147 | $84,689 |
| Georgia | $315,000 | $9,012 | $74,169 |
| Hawaii | $900,000 | $11,830 | $200,672 |
| Idaho | $390,000 | $5,955 | $86,915 |
| Illinois | $325,000 | $6,424 | $69,239 |
| Indiana | $225,000 | $4,350 | $50,039 |
| Iowa | $215,000 | $4,332 | $46,857 |
| Kansas | $205,000 | $5,022 | $47,221 |
| Kentucky | $225,000 | $5,421 | $51,989 |
| Louisiana | $225,000 | $6,893 | $53,629 |
| Maine | $310,000 | $6,706 | $72,442 |
| Maryland | $425,000 | $9,116 | $99,080 |
| Massachusetts | $620,000 | $11,043 | $142,361 |
| Michigan | $220,000 | $4,280 | $54,120 |
| Minnesota | $345,000 | $6,447 | $79,519 |
| Mississippi | $160,000 | $5,465 | $38,600 |
| Missouri | $230,000 | $4,847 | $52,393 |
| Montana | $395,000 | $5,716 | $87,567 |
| Nebraska | $265,000 | $5,553 | $57,968 |
| Nevada | $430,000 | $6,372 | $96,915 |
| New Hampshire | $420,000 | $10,470 | $102,269 |
| New Jersey | $515,000 | $9,891 | $120,371 |
| New Mexico | $245,000 | $4,520 | $55,319 |
| New York | $580,000 | $13,329 | $141,788 |
| North Carolina | $265,000 | $7,109 | $62,021 |
| North Dakota | $265,000 | $4,950 | $58,462 |
| Ohio | $210,000 | $4,204 | $45,740 |
| Oklahoma | $225,000 | $4,883 | $51,423 |
| Oregon | $515,000 | $7,261 | $116,085 |
| Pennsylvania | $245,000 | $9,082 | $63,068 |
| Rhode Island | $375,000 | $7,914 | $87,619 |
| South Carolina | $245,000 | $7,068 | $57,958 |
| South Dakota | $290,000 | $5,691 | $63,924 |
| Tennessee | $280,000 | $7,428 | $65,554 |
| Texas | $275,000 | $5,209 | $61,476 |
| Utah | $525,000 | $7,078 | $116,194 |
| Vermont | $305,000 | $9,556 | $79,984 |
| Virginia | $380,000 | $9,850 | $88,451 |
| Washington | $535,000 | $7,936 | $120,986 |
| West Virginia | $155,000 | $5,278 | $37,908 |
| Wisconsin | $250,000 | $4,920 | $56,196 |
| Wyoming | $290,000 | $5,041 | $65,365 |
How much cash do you need to close on a house?
Plan on the down payment plus about 2.9% of the price. That is the middle state, on a typical home with 20% down. The extra covers closing costs and prepaids, less the seller's tax credit. With less money down, you bring less cash but take a bigger loan. Some lenders also want to see savings left after closing.
What is the difference between closing costs and cash to close?
Closing costs are the fees and taxes for the loan, title and recording. Cash to close is all the money you bring. It adds your down payment. It adds prepaids, like home insurance, interest and escrow. Then it takes off credits. Those include the seller's property tax credit and the earnest money you already paid.
Estimate cash to close for any address.
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