How much are closing costs in Michigan?
A buyer in Michigan pays about $4,280 in closing costs on a $220,000 home. That is 1.9% of the price, plus about $2,768 of prepaids. A seller pays about $3,209 (1.5%) before commission, or $14,209 with a 5% commission.
Below is each buyer and seller cost in Michigan, line by line, and who pays it by custom. Rates checked 2026-09-29.
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| Real estate commission (5%) | −$11,000 |
| First mortgage payoff | −$130,000 |
| State real estate transfer tax | −$1,650 |
| County real estate transfer tax | −$242 |
| Release / satisfaction recording | −$30 |
| Title insurance and settlement | −$1,242 |
| Other closing fees | −$45 |
| Estimated net to seller | $75,791 |
Who pays closing costs in Michigan?
Each side pays its own costs. Seller pays the owner's policy. In Michigan, 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 usually runs the closing. The table shows a $220,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| State real estate transfer tax | Seller | $1,650 | – |
| County real estate transfer tax | Seller | $242 | – |
| Owner's title insurance policy | Seller | $892 | – |
| Lender's title insurance policy | Buyer | – | $250 |
| Lender-required endorsements | Buyer | – | $150 |
| Settlement / closing fee | Each side | $350 | $350 |
| Deed recording fee | Buyer | – | $30 |
| Release / satisfaction recording | Seller | $30 | – |
| Mortgage recording fee | Buyer | – | $30 |
| Wire / courier / payoff processing | Seller | $45 | – |
| Loan origination (1%) | Buyer | – | $1,760 |
| 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 Michigan?
A Michigan buyer pays about $4,280 in closing costs on a $220,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $2,768. Paying the seller back for property tax adds $3,072. With the $44,000 down payment, cash to close is about $54,120. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Michigan?
A Michigan seller pays about $3,209 before commission on a $220,000 sale. The costs are: state real estate transfer tax, county real estate transfer tax, owner's title insurance policy, settlement / closing fee, release / satisfaction recording. With a 5% commission, the total is about $14,209. The loan payoff and the property tax proration also come out of the proceeds.
How do Michigan closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $10,520. A seller pays about $12,375 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $220,000 typical home | $4,280 | $3,209 | $1,892 |
| $250,000 | $4,520 | $3,575 | $2,150 |
| $500,000 | $6,520 | $6,625 | $4,300 |
| $1,000,000 | $10,520 | $12,375 | $8,600 |
Do closing costs in Michigan change by county?
No. Closing costs are the same in all 83 Michigan counties on a $220,000 sale. The buyer pays $4,280 and the seller $3,209 before commission. No county or city adds its own transfer tax or changes who pays for title.
Are closing costs high in Michigan?
Yes. Michigan is on the high side. It ranks 40 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 3.4% of the typical home value. See closing costs in every state.
Michigan closing cost questions
How much are closing costs in Michigan?
A buyer in Michigan pays about $4,280 in closing costs on a $220,000 home. That is 1.9% of the price, plus about $2,768 of prepaids. A seller pays about $3,209 (1.5%) before commission, or $14,209 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Michigan?
Each side pays its own. Seller pays the owner's policy. The buyer pays the lender's fees, the lender's title policy and most recording fees. Transfer tax: State real estate transfer tax, paid by the seller. The contract can change any of this.
How much are closing costs for a buyer in Michigan?
About $4,280 on a $220,000 home with 20% down. That is 1.9% of the price. Prepaid interest, insurance and escrow add about $2,768. Paying the seller back for property tax adds $3,072. With the $44,000 down payment, cash to close is about $54,120.
How much are seller closing costs in Michigan?
About $3,209 on a $220,000 sale before commission (1.5%). With a 5% commission, the total is about $14,209. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Michigan have a transfer tax?
Yes. On a $220,000 home, the transfer tax is about $1,892 at statewide rates. Some counties and cities differ. The Michigan transfer tax calculator lists every rate.
Is there a free closing cost calculator for Michigan?
Yes. The calculator on this page uses Michigan 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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