Closing costs in Connecticut
What a buyer or seller pays at the closing table in Connecticut — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Connecticut's actual rates.
Estimated — not yet source-verified.Estimated — not yet source-verified. This figure is a knowledge estimate we have not yet confirmed against the official source, so this page is not indexed. Treat it as a rough guide only and verify with the state revenue department or county recorder.
- Transfer tax
- 1.25%
- customarily seller-paid
- Recording fee (deed)
- ~$60
- a flat fee per document
- Title insurance
- filed
- ~$5.00 / $1,000
- Attorney at closing
- Required
How closing costs work in Connecticut
The biggest closing-cost variable in Connecticut is the real-estate transfer tax, which here is 1.25% and is customarily seller-paid. State conveyance tax 0.75%–2.25% graduated, plus municipal 0.25%–0.5%; seller pays. Mansion surcharge above $2.5M.
On a $400,000 home, the state-level transfer tax works out to roughly $5,000 , before any county or city add-ons. County recording fees are a flat fee per document and run around $60 for the deed.
For title insurance, Connecticut title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Connecticut is also an "attorney state": a licensed attorney must be involved in the closing, which adds an attorney fee that title-only states don't have. Lenders here typically charge $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: Conn. Gen. Stat. § 12-494.
Connecticut closing cost calculator
Pre-set to Connecticut. Adjust your price, down payment and loan type.
Estimated closing costs
$10,083
≈ 2.52% of the home price · excludes your down payment
Cash to close
$90,083
incl. down payment
Line-by-line breakdown
Frequently asked questions
How much are closing costs in Connecticut?
In Connecticut, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (1.25%, customarily seller-paid), county recording fees (a flat fee per document, around $60), and title insurance. Connecticut also requires an attorney at closing, which adds a fee. Use the calculator above for your price.
What is the transfer tax in Connecticut?
Connecticut's real-estate transfer tax is 1.25% and is customarily seller-paid. State conveyance tax 0.75%–2.25% graduated, plus municipal 0.25%–0.5%; seller pays. Mansion surcharge above $2.5M.
Who pays closing costs in Connecticut?
Both buyer and seller pay different items. The transfer tax in Connecticut 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 Connecticut?
Yes. Connecticut is an "attorney state" — a licensed attorney must conduct or oversee the real-estate closing, which adds an attorney fee to your costs.
Other states
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