Delaware County closing costs
Start with the state 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 baseline
- 1%
- ≈ $4,000 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
- $7,557
- median of 4,467 purchase loans · HMDA 2023
Transfer tax in Delaware County
State tax baseline only. Municipality and school-district tax, exemptions and the contract split need confirmation. Both parties can be liable for Pennsylvania tax.
The county source lists local exceptions for Radnor, Upper Darby, Chester City and Upper Providence. Use the exact municipality and applicable date before calculating the local portion.
Recording fees in Delaware County
Saved schedule label: 2026-Q2. Exact document count, format, additional pages and applicable current charges need recorder confirmation.
Deed recording (official Recorder of Deeds schedule effective Dec 1, 2025): TOTAL 4-PAGE DEED = $117.25, made up of base fee $38.00 + County Affordable Housing (Ord 99-3) $18.00 + Act 133 & 126 of 2014 (JCS/ATJ & HB 1607/CJEA) $41.25 + County Improvement Fund (Act 32-02) $5.00 + Act 152 (Demolition of Blighted Properties) $15.00. Permits a max of 4 pages, 4 names, 10 folios. Additional pages $4.00 each; each additional name (after 4) $1.00; each additional folio (after 10) $1.00. Mortgage: TOTAL 4-PAGE MTG = $115.25 (base $38 + Affordable Housing $16 + Act 152 $15 + Act 113&126/HB1607 $41.25 + County Improvement $5), +$4/additional page. Satisfaction/Release/Assignment 4-page = $84.25 (+$2/page). Certifications (4 pages) $7.00 (+$1/page). Electronic certified copies $12.50. When recording deeds, three separate checks are required: 1 for recording fee, 1 for state transfer tax, 1 for local transfer tax.
Official recorder: Delaware County recorder ↗ — the authoritative source for the current recording fee schedule.
Historical mortgage fees in Delaware County
The saved 2023 HMDA purchase-loan sample has 4,467 usable total-loan-cost values, with a median of $7,557. The separate origination-charge median is $2,956. 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 42045, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Delaware County closing costs
Pre-set to Delaware 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 Delaware County?
State baseline: 1%, or $4,000 at $400,000 under the stated taxable-value assumption. State tax baseline only. Municipality and school-district tax, exemptions and the contract split need confirmation. Both parties can be liable for Pennsylvania tax. The complete transaction tax is still to confirm.
What are recording fees in Delaware County?
Legacy schedule, labeled 2026-Q2; confirm the actual document and current charges with the recorder. Deed recording (official Recorder of Deeds schedule effective Dec 1, 2025): TOTAL 4-PAGE DEED = $117.25, made up of base fee $38.00 + County Affordable Housing (Ord 99-3) $18.00 + Act 133 & 126 of 2014 (JCS/ATJ & HB 1607/CJEA) $41.25 + County Improvement Fund (Act 32-02) $5.00 + Act 152 (Demolition of Blighted Properties) $15.00. Permits a max of 4 pages, 4 names, 10 folios. Additional pages $4.00 each; each additional name (after 4) $1.00; each additional folio (after 10) $1.00. Mortgage: TOTAL 4-PAGE MTG = $115.25 (base $38 + Affordable Housing $16 + Act 152 $15 + Act 113&126/HB1607 $41.25 + County Improvement $5), +$4/additional page. Satisfaction/Release/Assignment 4-page = $84.25 (+$2/page). Certifications (4 pages) $7.00 (+$1/page). Electronic certified copies $12.50. When recording deeds, three separate checks are required: 1 for recording fee, 1 for state transfer tax, 1 for local transfer tax.
How much are closing costs in Delaware County?
Closing costs in Delaware County follow Pennsylvania'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 Delaware County?
The saved 2023 HMDA sample has 4,467 usable total-loan-cost values and a median of $7,557. The separate origination-charge median is $2,956; 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 Pennsylvania county records
Records are listed alphabetically; check each property’s municipality. Partial baselines are not a ranking of complete local taxes.