How much are closing costs in Massachusetts?
A buyer in Massachusetts pays about $11,043 in closing costs on a $620,000 home. That is 1.8% of the price, plus about $7,337 of prepaids. A seller pays about $4,182 (0.7%) before commission, or $35,182 with a 5% commission.
Below is each buyer and seller cost in Massachusetts, line by line, and who pays it by custom. Rates checked 2026-09-30.
Free Massachusetts seller net sheet calculator
Change any number and the local costs update.
| Real estate commission (5%) | −$31,000 |
| First mortgage payoff | −$370,000 |
| Deeds excise tax | −$2,827 |
| Release / satisfaction recording | −$105 |
| Title insurance and settlement | −$1,200 |
| Other closing fees | −$50 |
| Estimated net to seller | $214,818 |
Who pays closing costs in Massachusetts?
Each side pays its own costs. Buyer pays the owner's policy (optional but customary). In Massachusetts, 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. An attorney usually runs the closing. By custom, one is required. The table shows a $620,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Deeds excise tax | Seller | $2,827 | – |
| Owner's title insurance policy | Buyer | – | $2,188 |
| Lender's title insurance policy | Buyer | – | $175 |
| Lender-required endorsements | Buyer | – | $150 |
| Settlement / closing fee | Each side | $300 | $300 |
| Seller's attorney fee | Seller | $900 | – |
| Buyer's attorney fee | Buyer | – | $1,200 |
| Deed recording fee | Buyer | – | $155 |
| Release / satisfaction recording | Seller | $105 | – |
| Mortgage recording fee | Buyer | – | $205 |
| Wire / courier / payoff processing | Seller | $50 | – |
| Loan origination (1%) | Buyer | – | $4,960 |
| 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 Massachusetts?
A Massachusetts buyer pays about $11,043 in closing costs on a $620,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $7,337. The seller's property tax credit takes off $19. With the $124,000 down payment, cash to close is about $142,361. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Massachusetts?
A Massachusetts seller pays about $4,182 before commission on a $620,000 sale. The costs are: deeds excise tax, settlement / closing fee, seller's attorney fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $35,182. The loan payoff and the property tax proration also come out of the proceeds.
How do Massachusetts closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $15,185. A seller pays about $5,915 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $6,835 | $2,495 | $1,140 |
| $500,000 | $9,735 | $3,635 | $2,280 |
| $620,000 typical home | $11,043 | $4,182 | $2,827 |
| $1,000,000 | $15,185 | $5,915 | $4,560 |
Do closing costs in Massachusetts change by county?
Yes. On the same $620,000 sale, buyer plus seller costs run from $15,225 to $27,625 across Massachusetts's 14 counties. Local taxes and who pays for title make the difference. The 3 listed here differ from the statewide figures above. The other 11 match them.
| County | Transfer tax | Seller costs before commission | Buyer closing costs |
|---|---|---|---|
| Barnstable County | $4,018 | $5,373 | $11,043 |
| Dukes County | $15,227 | $4,182 | $23,443 |
| Nantucket County | $15,227 | $4,182 | $23,443 |
Are closing costs high in Massachusetts?
No. Massachusetts is on the low side. It ranks 15 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.
Massachusetts closing cost questions
How much are closing costs in Massachusetts?
A buyer in Massachusetts pays about $11,043 in closing costs on a $620,000 home. That is 1.8% of the price, plus about $7,337 of prepaids. A seller pays about $4,182 (0.7%) before commission, or $35,182 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Massachusetts?
Each side pays its own. Buyer pays the owner's policy (optional but customary). The buyer pays the lender's fees, the lender's title policy and most recording fees. Transfer tax: Deeds excise tax, paid by the seller. The contract can change any of this.
How much are closing costs for a buyer in Massachusetts?
About $11,043 on a $620,000 home with 20% down. That is 1.8% of the price. Prepaid interest, insurance and escrow add about $7,337. The seller's property tax credit takes off $19. With the $124,000 down payment, cash to close is about $142,361.
How much are seller closing costs in Massachusetts?
About $4,182 on a $620,000 sale before commission (0.7%). With a 5% commission, the total is about $35,182. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Massachusetts have a transfer tax?
Yes. On a $620,000 home, the transfer tax is about $2,827 at statewide rates. Some counties and cities differ. The Massachusetts transfer tax calculator lists every rate.
Is there a free closing cost calculator for Massachusetts?
Yes. The calculator on this page uses Massachusetts 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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