Cumberland County closing costs
The county-specific transfer tax and deed recording fees for Cumberland County, North Carolina - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.2%
- ≈ $800 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,341
- median of 4,099 purchase loans · HMDA 2023
Cumberland County compared with North Carolina counties
In the verified North Carolina county records we have, Cumberland County's effective transfer-tax rate ranks #1 of 8 by highest rate. At $400,000, the county-specific transfer tax is $800, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 8
- within verified North Carolina county pages
- Tax at $400,000
- $800
- state baseline $800
- HMDA fee sample
- 4,099
- purchase loans in 2023
Cumberland County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Cumberland County
NC has NO county-level transfer tax in Cumberland County. The only transfer levy is the STATE excise (revenue) tax of $1 per $500 of consideration (= 0.002, or $2 per $1,000), set by N.C.G.S. 105-228.30 and collected by the Register of Deeds at recording — the county's own fee schedule confirms "$2.00 per $1000.00 (based on purchase price)". This is a state tax, NOT a county tax, so county_transfer_tax_rate = null. Cumberland is NOT among the 7 NC counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington) authorized to levy an additional local land transfer tax of $1/$100 (1%); those counties had to vote it in and Cumberland never did. WHO PAYS: by NC custom the SELLER (grantor) pays the excise tax; buyer customarily pays the recording fee for the deed. No municipal/city transfer tax exists in Fayetteville or anywhere in NC. Excise must be remitted with the recording fee when the deed is presented.
Recording fees in Cumberland County
Deed: $26.00 for the first 15 pages; $4.00 each additional page after 15 (effective Oct 1, 2016). Deed of trust/mortgage: $64.00 for first 35 pages; $4.00 each additional page after 35. Plats: $21.00 per page. Uncertified copies $0.25/page; certified copies $5.00 first page + $2.00 each additional. Per official Cumberland County Register of Deeds fee schedule (ccrod.org). Recording fees are statutorily uniform statewide under N.C.G.S. 161-10.
Official recorder: Cumberland County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Cumberland County
Across 4,099 home-purchase mortgages originated in Cumberland County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,341, of which about $2,436 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 37051, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Cumberland County closing costs
Pre-set to North Carolina. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Cumberland County?
Cumberland County (North Carolina): the applicable real-estate transfer tax works out to about 0.2%. NC has NO county-level transfer tax in Cumberland County. The only transfer levy is the STATE excise (revenue) tax of $1 per $500 of consideration (= 0.002, or $2 per $1,000), set by N.C.G.S. 105-228.30 and collected by the Register of Deeds at recording — the county's own fee schedule confirms "$2.00 per $1000.00 (based on purchase price)". This is a state tax, NOT a county tax, so county_transfer_tax_rate = null. Cumberland is NOT among the 7 NC counties (Camden, Chowan, Currituck, Dare, Pasquotank, Perquimans, Washington) authorized to levy an additional local land transfer tax of $1/$100 (1%); those counties had to vote it in and Cumberland never did. WHO PAYS: by NC custom the SELLER (grantor) pays the excise tax; buyer customarily pays the recording fee for the deed. No municipal/city transfer tax exists in Fayetteville or anywhere in NC. Excise must be remitted with the recording fee when the deed is presented.
What are recording fees in Cumberland County?
Deed: $26.00 for the first 15 pages; $4.00 each additional page after 15 (effective Oct 1, 2016). Deed of trust/mortgage: $64.00 for first 35 pages; $4.00 each additional page after 35. Plats: $21.00 per page. Uncertified copies $0.25/page; certified copies $5.00 first page + $2.00 each additional. Per official Cumberland County Register of Deeds fee schedule (ccrod.org). Recording fees are statutorily uniform statewide under N.C.G.S. 161-10.
How much are closing costs in Cumberland County?
Closing costs in Cumberland County follow North Carolina'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 Cumberland County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,099 home-purchase mortgages in Cumberland County were about $7,341, of which roughly $2,436 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest North Carolina county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.