Closing costs by state
Closing costs are set largely by your state — transfer tax alone ranges from $0 to about 4%. Pick your state for the real rate, who customarily pays, recording fees, the title-insurance method, and whether an attorney is required at closing.
15 states source-verified as of June 2026. The remaining 36 show clearly-flagged estimates while we finish verifying them (those pages are kept out of search until confirmed).
Source-verified states
| State | Transfer tax | Who pays | Attorney? |
|---|---|---|---|
| California | 0.11% | seller | No |
| New York | 0.4% | seller | Required |
| Florida | 0.7% | seller | No |
| Pennsylvania | 1% | split | No |
| Washington | 1.28% | seller | No |
| Texas | none | negotiable | No |
| Delaware | 4% | split | Required |
| Maryland | 0.5% | split | No |
| Illinois | 0.1% | seller | Required |
| New Jersey | 1% | seller | No |
| Massachusetts | 0.46% | seller | Required |
| Virginia | 0.25% | split | No |
| Georgia | 0.1% | seller | Required |
| North Carolina | 0.2% | seller | Required |
| Colorado | 0.01% | buyer | No |
All states
Estimate-only states are marked; their pages are honest but not yet indexed.
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