DuPage County closing costs
Start with the state + county baseline, then confirm the property's municipality, document fees and contract split. Historical loan fees help compare mortgage quotes; they are not your cash-to-close amount.
- State + county baseline
- 0.15%
- ≈ $600 on a $400,000 home
- Municipality / school-district tax
- To confirm
- A representative city rate does not apply throughout the county.
- Historical mortgage loan costs
- $6,278
- median of 7,939 purchase loans · HMDA 2023
Transfer tax in DuPage County
State and county taxes are separate. Municipal tax depends on the incorporated city or village; Naperville assigns its stamp to the buyer. The seller share shown for the baseline is a contract assumption.
For a confirmed incorporated Naperville property, the municipal stamp belongs to the buyer and uses $500 value increments. Other cities and villages may use different rates, rules and payers. A Naperville postal address does not establish city jurisdiction.
Recording fees in DuPage County
Saved schedule label: 2026-Q2. Exact document count, format, additional pages and applicable current charges need recorder confirmation.
The saved standard deed estimate is $86. The current recorder page and the saved record disagree on nonstandard documents and maps; the page footer also differs from the adopted GIS-fee ordinance. Confirm the complete document fee with the recorder. These figures have not received a new human fact review.
Official recorder: DuPage County recorder ↗ — the authoritative source for the current recording fee schedule.
Historical mortgage fees in DuPage County
The saved 2023 HMDA purchase-loan sample has 7,939 usable total-loan-cost values, with a median of $6,278. The separate origination-charge median is $1,751. It can use a different sample and is already a type of loan cost, so do not add the two medians. These are historical borrower-paid mortgage costs. They exclude recording and transfer taxes, prepaids and escrow; they do not describe cash purchases or calculate cash to close.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 17043, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your DuPage County closing costs
Pre-set to DuPage County. Keep the known fee subtotal separate from unconfirmed local taxes and cash to close.
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Frequently asked questions
What is the transfer tax in DuPage County?
State + county baseline: 0.15%, or $600 at $400,000 under the stated taxable-value assumption. State and county taxes are separate. Municipal tax depends on the incorporated city or village; Naperville assigns its stamp to the buyer. The seller share shown for the baseline is a contract assumption. The complete transaction tax is still to confirm.
What are recording fees in DuPage County?
The saved standard deed estimate is $86. The current recorder page and the saved record disagree on nonstandard documents and maps; the page footer also differs from the adopted GIS-fee ordinance. Confirm the complete document fee with the recorder. These figures have not received a new human fact review.
How much are closing costs in DuPage County?
Closing costs in DuPage County follow Illinois's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in DuPage County?
The saved 2023 HMDA sample has 7,939 usable total-loan-cost values and a median of $6,278. The separate origination-charge median is $1,751; its sample can differ, and it must not be added to total loan costs. This is historical mortgage data, not a cash-purchase cost, current quote, tax total or cash-to-close amount.
Other Illinois county records
Records are listed alphabetically; check each property’s municipality. Partial baselines are not a ranking of complete local taxes.