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Closing costs in Maine

What a buyer or seller pays at the closing table in Maine — the real transfer-tax rate, recording fees, title-insurance method and attorney rules, plus a calculator that uses Maine'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
0.44%
customarily split-paid
Recording fee (deed)
~$22
a flat fee per document
Title insurance
filed
~$4.50 / $1,000
Attorney at closing
Not required

How closing costs work in Maine

The biggest closing-cost variable in Maine is the real-estate transfer tax, which here is 0.44% and is customarily split-paid. Real estate transfer tax $2.20 per $500 (0.44%), split equally between buyer and seller.

On a $400,000 home, the state-level transfer tax works out to roughly $1,760 , before any county or city add-ons. County recording fees are a flat fee per document and run around $22 for the deed.

For title insurance, Maine title-insurance rates are filed with the state and broadly similar between companies, though you can sometimes shop. Maine 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: 36 M.R.S. § 4641-A.

Maine closing cost calculator

Pre-set to Maine. Adjust your price, down payment and loan type.

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%

Estimated closing costs

$9,613

≈ 2.4% of the home price · excludes your down payment

Cash to close

$89,613

incl. down payment

Line-by-line breakdown

Transfer / recordation tax (your share) $880
Deed & mortgage recording fees $22
Owner's title insurance $1,800
Lender's title insurance $1,008
Lender fees (origination, underwriting, processing) $2,300
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~2 months) $733

Frequently asked questions

How much are closing costs in Maine?

In Maine, buyer closing costs typically run about 2%–5% of the purchase price. The state-specific pieces are the transfer tax (0.44%, customarily split-paid), county recording fees (a flat fee per document, around $22), and title insurance. Maine does not require an attorney at closing. Use the calculator above for your price.

What is the transfer tax in Maine?

Maine's real-estate transfer tax is 0.44% and is customarily split-paid. Real estate transfer tax $2.20 per $500 (0.44%), split equally between buyer and seller.

Who pays closing costs in Maine?

Both buyer and seller pay different items. The transfer tax in Maine is customarily split-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 Maine?

No. Maine does not require an attorney at closing; a title or escrow company typically handles settlement. You may still choose to hire one.

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