Closing costs in Indiana
What a buyer or seller pays at the closing table in Indiana — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Indiana'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
- none
- customarily negotiable-paid
- Recording fee (deed)
- ~$35
- a flat fee per document
- Title insurance
- filed
- ~$4.00 / $1,000
- Attorney at closing
- Not required
How closing costs work in Indiana
The biggest closing-cost variable in Indiana is the real-estate transfer tax, which here is none and is customarily negotiable-paid. Indiana has no real-estate transfer tax; a sales-disclosure fee applies.
On a $400,000 home, the state-level transfer tax works out to roughly $0 — there is no state transfer tax here, before any county or city add-ons. County recording fees are a flat fee per document and run around $35 for the deed.
For title insurance, Indiana title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Indiana 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 $1,400–$3,200 in origination and processing fees, and 2 months of property-tax escrow is commonly collected at closing.
Statute: No transfer-tax statute.
Indiana closing cost calculator
Pre-set to Indiana. Adjust your price, down payment and loan type.
Estimated closing costs
$8,434
≈ 2.11% of the home price · excludes your down payment
Cash to close
$88,434
incl. down payment
Line-by-line breakdown
Frequently asked questions
How much are closing costs in Indiana?
In Indiana, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (none, customarily negotiable-paid), county recording fees (a flat fee per document, around $35), and title insurance. Indiana does not require an attorney at closing. Use the calculator above for your price.
What is the transfer tax in Indiana?
Indiana's real-estate transfer tax is none and is customarily negotiable-paid. Indiana has no real-estate transfer tax; a sales-disclosure fee applies.
Who pays closing costs in Indiana?
Both buyer and seller pay different items. The transfer tax in Indiana is customarily negotiable-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 Indiana?
No. Indiana does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.
Other states
Closing soon? Get the buyer’s closing-cost checklist
A free, plain-English checklist of every line item to expect at the closing table — plus the occasional note when state rates change. No spam. Unsubscribe anytime. We never share your email.