How much are closing costs in the District of Columbia?
A buyer in the District of Columbia pays about $22,146 in closing costs on a $735,000 home. That is 3% of the price, plus about $7,723 of prepaids. A seller pays about $11,138 (1.5%) before commission, or $47,888 with a 5% commission.
Below is each buyer and seller cost in District of Columbia, line by line, and who pays it by custom. Rates checked 2026-09-30.
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| Real estate commission (5%) | −$36,750 |
| First mortgage payoff | −$440,000 |
| Deed transfer tax | −$10,658 |
| Release / satisfaction recording | −$30 |
| Title insurance and settlement | −$400 |
| Other closing fees | −$50 |
| Estimated net to seller | $247,113 |
Who pays closing costs in District of Columbia?
Each side pays its own costs. Buyer pays the owner's policy. In the District of Columbia, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. A title company or attorney usually runs the closing. The table shows a $735,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Deed transfer tax | Seller | $10,658 | – |
| Deed recordation tax | Buyer | – | $10,658 |
| Owner's title insurance policy | Buyer | – | $2,864 |
| Lender's title insurance policy | Buyer | – | $300 |
| Lender-required endorsements | Buyer | – | $150 |
| Settlement / closing fee | Each side | $400 | $400 |
| Deed recording fee | Buyer | – | $30 |
| Release / satisfaction recording | Seller | $30 | – |
| Mortgage recording fee | Buyer | – | $155 |
| Wire / courier / payoff processing | Seller | $50 | – |
| Loan origination (1%) | Buyer | – | $5,880 |
| Appraisal | Buyer | – | $550 |
| Credit report | Buyer | – | $60 |
| Underwriting / processing | Buyer | – | $995 |
| Flood certification | Buyer | – | $25 |
| Tax service fee | Buyer | – | $80 |
How much do buyers pay at closing in District of Columbia?
A District of Columbia buyer pays about $22,146 in closing costs on a $735,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $7,723. The seller's property tax credit takes off $1,056. With the $147,000 down payment, cash to close is about $175,814. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in District of Columbia?
A District of Columbia seller pays about $11,138 before commission on a $735,000 sale. The costs are: deed transfer tax, settlement / closing fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $47,888. The loan payoff and the property tax proration also come out of the proceeds.
How do District of Columbia closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $28,970. A seller pays about $14,980 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $8,595 | $3,230 | $5,500 |
| $500,000 | $16,095 | $7,730 | $14,500 |
| $735,000 typical home | $22,146 | $11,138 | $21,315 |
| $1,000,000 | $28,970 | $14,980 | $29,000 |
Are closing costs high in District of Columbia?
Yes. The District of Columbia is on the high side. It ranks 49 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 4.5% of the typical home value. See closing costs in every state.
District of Columbia closing cost questions
How much are closing costs in the District of Columbia?
A buyer in the District of Columbia pays about $22,146 in closing costs on a $735,000 home. That is 3% of the price, plus about $7,723 of prepaids. A seller pays about $11,138 (1.5%) before commission, or $47,888 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in the District of Columbia?
Each side pays its own. Buyer pays the owner's policy. The buyer pays the lender's fees, the lender's title policy and most recording fees. Transfer tax: Deed transfer tax, paid by the seller; Deed recordation tax, paid by the buyer. The contract can change any of this.
How much are closing costs for a buyer in the District of Columbia?
About $22,146 on a $735,000 home with 20% down. That is 3% of the price. Prepaid interest, insurance and escrow add about $7,723. The seller's property tax credit takes off $1,056. With the $147,000 down payment, cash to close is about $175,814.
How much are seller closing costs in the District of Columbia?
About $11,138 on a $735,000 sale before commission (1.5%). With a 5% commission, the total is about $47,888. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does the District of Columbia have a transfer tax?
Yes. On a $735,000 home, the transfer tax is about $21,315 at statewide rates. Some counties and cities differ. The District of Columbia transfer tax calculator lists every rate.
Is there a free closing cost calculator for the District of Columbia?
Yes. The calculator on this page uses District of Columbia rates and local customs, for a seller or a buyer. The full NetSheet.org calculator adds prorations, credits and a PDF. Both are free.
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