How much are closing costs in Maine?
A buyer in Maine pays about $6,706 in closing costs on a $310,000 home. That is 2.2% of the price, plus about $3,746 of prepaids. A seller pays about $1,001 (0.3%) before commission, or $16,501 with a 5% commission.
Below is each buyer and seller cost in Maine, line by line, and who pays it by custom. Rates checked 2026-09-30.
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| Real estate commission (5%) | −$15,500 |
| First mortgage payoff | −$185,000 |
| Real estate transfer tax (split equally between buyer and seller) | −$682 |
| Release / satisfaction recording | −$24 |
| Title insurance and settlement | −$250 |
| Other closing fees | −$45 |
| Estimated net to seller | $108,499 |
Who pays closing costs in Maine?
Each side pays its own costs. Buyer pays the owner's policy. In Maine, 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 $310,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Real estate transfer tax (split equally between buyer and seller) | Split | $682 | $682 |
| Owner's title insurance policy | Buyer | – | $1,160 |
| Lender's title insurance policy | Buyer | – | $200 |
| Lender-required endorsements | Buyer | – | $150 |
| Settlement / closing fee | Each side | $250 | $250 |
| Deed recording fee | Buyer | – | $24 |
| Release / satisfaction recording | Seller | $24 | – |
| Mortgage recording fee | Buyer | – | $50 |
| Wire / courier / payoff processing | Seller | $45 | – |
| Loan origination (1%) | Buyer | – | $2,480 |
| 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 Maine?
A Maine buyer pays about $6,706 in closing costs on a $310,000 home with 20% down. That covers lender fees, the lender's title policy and recording and taxes. Prepaid interest, insurance and escrow add about $3,746. The seller's property tax credit takes off $10. With the $62,000 down payment, cash to close is about $72,442. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Maine?
A Maine seller pays about $1,001 before commission on a $310,000 sale. The costs are: real estate transfer tax (split equally between buyer and seller), settlement / closing fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $16,501. The loan payoff and the property tax proration also come out of the proceeds.
How do Maine closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $15,659. A seller pays about $2,519 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $5,884 | $869 | $1,100 |
| $310,000 typical home | $6,706 | $1,001 | $1,364 |
| $500,000 | $9,309 | $1,419 | $2,200 |
| $1,000,000 | $15,659 | $2,519 | $4,400 |
Do closing costs in Maine change by county?
No. Closing costs are the same in all 16 Maine counties on a $310,000 sale. The buyer pays $6,706 and the seller $1,001 before commission. No county or city adds its own transfer tax or changes who pays for title.
Are closing costs high in Maine?
No. Maine is on the low side. It ranks 16 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 2.5% of the typical home value. See closing costs in every state.
Maine closing cost questions
How much are closing costs in Maine?
A buyer in Maine pays about $6,706 in closing costs on a $310,000 home. That is 2.2% of the price, plus about $3,746 of prepaids. A seller pays about $1,001 (0.3%) before commission, or $16,501 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Maine?
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: Real estate transfer tax (split equally between buyer and seller), split 50/50 between buyer and seller. The contract can change any of this.
How much are closing costs for a buyer in Maine?
About $6,706 on a $310,000 home with 20% down. That is 2.2% of the price. Prepaid interest, insurance and escrow add about $3,746. The seller's property tax credit takes off $10. With the $62,000 down payment, cash to close is about $72,442.
How much are seller closing costs in Maine?
About $1,001 on a $310,000 sale before commission (0.3%). With a 5% commission, the total is about $16,501. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Maine have a transfer tax?
Yes. On a $310,000 home, the transfer tax is about $1,364 at statewide rates. Some counties and cities differ. The Maine transfer tax calculator lists every rate.
Is there a free closing cost calculator for Maine?
Yes. The calculator on this page uses Maine 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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