How much are closing costs in Oregon?
A buyer in Oregon pays about $7,261 in closing costs on a $515,000 home. That is 1.4% of the price, plus about $5,837 of prepaids. A seller pays about $2,642 (0.5%) before commission, or $28,392 with a 5% commission.
Below is each buyer and seller cost in Oregon, line by line, and who pays it by custom. Rates checked 2026-09-29.
Free Oregon seller net sheet calculator
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| Real estate commission (5%) | −$25,750 |
| First mortgage payoff | −$310,000 |
| Release / satisfaction recording | −$96 |
| Title insurance and settlement | −$2,486 |
| Other closing fees | −$60 |
| Estimated net to seller | $176,608 |
Who pays closing costs in Oregon?
Each side pays its own costs. Seller pays the owner's policy. In Oregon, 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 escrow company usually runs the closing. The table shows a $515,000 sale at statewide rates. The contract can change who pays.
| Cost | Paid by | Seller | Buyer |
|---|---|---|---|
| Owner's title insurance policy | Seller | $1,836 | – |
| Lender's title insurance policy | Buyer | – | $415 |
| Lender-required endorsements | Buyer | – | $150 |
| Escrow fee | Split | $650 | $650 |
| Deed recording fee | Buyer | – | $96 |
| Release / satisfaction recording | Seller | $96 | – |
| Mortgage recording fee | Buyer | – | $120 |
| Wire / courier / payoff processing | Seller | $60 | – |
| Loan origination (1%) | Buyer | – | $4,120 |
| 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 Oregon?
A Oregon buyer pays about $7,261 in closing costs on a $515,000 home with 20% down. That covers lender fees, the lender's title policy and recording. Prepaid interest, insurance and escrow add about $5,837. The seller's property tax credit takes off $13. With the $103,000 down payment, cash to close is about $116,085. That is for a July 1 closing, the same as the calculator.
How much are seller closing costs in Oregon?
A Oregon seller pays about $2,642 before commission on a $515,000 sale. The costs are: owner's title insurance policy, escrow fee, release / satisfaction recording, wire / courier / payoff processing. With a 5% commission, the total is about $28,392. The loan payoff and the property tax proration also come out of the proceeds.
How do Oregon closing costs change with price?
They go up with the price. On a $1,000,000 home, a buyer pays about $11,296. A seller pays about $3,806 before commission.
| Sale price | Buyer closing costs | Seller costs before commission | Transfer tax |
|---|---|---|---|
| $250,000 | $5,056 | $1,794 | None |
| $500,000 | $7,136 | $2,606 | None |
| $515,000 typical home | $7,261 | $2,642 | None |
| $1,000,000 | $11,296 | $3,806 | None |
Do closing costs in Oregon change by county?
Yes. On the same $515,000 sale, buyer plus seller costs run from $9,903 to $10,418 across Oregon's 36 counties. Local taxes and who pays for title make the difference. Only Washington County differs from the statewide figures above. The other 35 match them.
| County | Transfer tax | Seller costs before commission | Buyer closing costs |
|---|---|---|---|
| Washington County | $515 | $2,900 | $7,518 |
Are closing costs high in Oregon?
No. Oregon is on the low side. It ranks 6 of 51 for buyer plus seller closing costs as a share of the price, where 1 is the lowest. They come to 1.9% of the typical home value. See closing costs in every state.
Oregon closing cost questions
How much are closing costs in Oregon?
A buyer in Oregon pays about $7,261 in closing costs on a $515,000 home. That is 1.4% of the price, plus about $5,837 of prepaids. A seller pays about $2,642 (0.5%) before commission, or $28,392 with a 5% commission. Taxes, title and lender fees change with the price and the county.
Who pays closing costs in Oregon?
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. The county or city sets any transfer tax, and who pays it. The contract can change any of this.
How much are closing costs for a buyer in Oregon?
About $7,261 on a $515,000 home with 20% down. That is 1.4% of the price. Prepaid interest, insurance and escrow add about $5,837. The seller's property tax credit takes off $13. With the $103,000 down payment, cash to close is about $116,085.
How much are seller closing costs in Oregon?
About $2,642 on a $515,000 sale before commission (0.5%). With a 5% commission, the total is about $28,392. The loan payoff and the property tax proration also come out of the seller's proceeds.
Does Oregon have a transfer tax?
Yes. On a $515,000 home, the transfer tax is about $0 at statewide rates. Some counties and cities differ. The Oregon transfer tax calculator lists every rate.
Is there a free closing cost calculator for Oregon?
Yes. The calculator on this page uses Oregon 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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