Closing costs in California
What a buyer or seller pays at the closing table in California — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses California's actual rates.
- Transfer tax
- 0.11%
- customarily seller-paid
- Recording fee (deed)
- ~$100
- tiered by document type or value
- Title insurance
- filed
- ~$5.00 / $1,000
- Attorney at closing
- Not required
How closing costs work in California
The biggest closing-cost variable in California is the real-estate transfer tax, which here is 0.11% and is customarily seller-paid. California's base Documentary Transfer Tax is $1.10 per $1,000 of value ($0.55 per $500). Many cities add their own transfer tax on top — San Francisco's runs up to 6% on the highest-value sales, and Los Angeles' Measure ULA adds 4–5.5% on sales above ~$5M. By custom the seller pays, though it is negotiable.
On a $400,000 home, the state-level transfer tax works out to roughly $440 , before any county or city add-ons. County recording fees are tiered by document type or value and run around $100 for the deed.
For title insurance, California title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. California does not require an attorney at closing — a title or escrow company typically handles settlement, though you can hire an attorney if you want one. Lenders here typically charge $1,500–$3,500 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Cal. Rev. & Tax. Code §§ 11911–11929. Official source ↗
California closing cost calculator
Pre-set to California. Adjust your price, down payment and loan type.
Estimated closing costs
$9,323
≈ 2.33% of the home price · excludes your down payment
Cash to close
$89,323
incl. down payment
Line-by-line breakdown
Counties in California
County and city taxes can change the total significantly. Open a county for its precise rate.
Frequently asked questions
How much are closing costs in California?
In California, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.11%, customarily seller-paid), county recording fees (tiered by document type or value, around $100), and title insurance. California does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in California?
California's real-estate transfer tax is 0.11% and is customarily seller-paid. California's base Documentary Transfer Tax is $1.10 per $1,000 of value ($0.55 per $500). Many cities add their own transfer tax on top — San Francisco's runs up to 6% on the highest-value sales, and Los Angeles' Measure ULA adds 4–5.5% on sales above ~$5M. By custom the seller pays, though it is negotiable.
Who pays closing costs in California?
Both buyer and seller pay different items. The transfer tax in California is customarily seller-paid. Buyers generally cover lender fees, the appraisal, lender's title insurance and prepaids; sellers generally cover the agent commission and, in most states, the bulk of the transfer tax. Everything is negotiable in the contract.
Do I need an attorney to close in California?
No. California does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Other states
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