Loudoun County closing costs
The county-specific transfer tax and deed recording fees for Loudoun County, Virginia - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.05%
- ≈ $200 on a $400,000 home
- Typical lender + 3rd-party fees
- $7,137
- median of 4,656 purchase loans · HMDA 2023
Loudoun County compared with Virginia counties
In the verified Virginia county records we have, Loudoun County's effective transfer-tax rate ranks #6 of 6 by highest rate. At $400,000, the county-specific transfer tax is $200, which is $800 below the state-level calculation before city surtaxes.
- County rank
- #6 of 6
- within verified Virginia county pages
- Tax at $400,000
- $200
- state baseline $1,000
- HMDA fee sample
- 4,656
- purchase loans in 2023
Loudoun County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Loudoun County
Virginia's recording/transfer tax structure is set uniformly by state statute; the only true price-based COUNTY transfer tax is the local half of the grantor's tax (Va. Code 58.1-802): grantor tax is $0.50 per $500 of price = 0.10% total, split 50/50, so the locality keeps $0.25 per $500 = 0.05% of price, paid by the SELLER (grantor). Because Loudoun is a Northern Virginia Transportation Authority member, two additional grantor-paid (seller) fees also apply at closing: a WMATA Capital Fee of $0.10/$100 (0.10%) and a Regional Congestion Relief Fee of $0.10/$100 (0.10%) -- these are regionally/state-directed, not county-retained, so they are noted here rather than counted as the county transfer tax. Buyer (grantee) typically pays the state recordation tax ($0.25/$100) plus the local recordation tax (1/3 of state). Loudoun has incorporated towns (Leesburg, Purcellville, etc.) but no independent city, and no town levies its own real-estate transfer tax.
Recording fees in Loudoun County
Clerk of Circuit Court recording fee (statewide statutory schedule, Va. Code 17.1-275): deeds $23.00 for 1-10 pages, $37.00 for 11-30 pages, $57.00 for 31+ pages. Additional per-instrument fees: $5.00 Technology Trust Fund Fee, $3.00 open-space/library fee, $1.50 transfer fee on deeds, and a $20.00 deed-processing fee on every deed/deed of trust that generates a tax. Recordation taxes (separate from clerk fee): state recordation tax $0.25 per $100 of value (grantee-paid), plus a local/county recordation tax equal to 1/3 of the state amount (Va. Code 58.1-814).
Official recorder: Loudoun County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Loudoun County
Across 4,656 home-purchase mortgages originated in Loudoun County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $7,137, of which about $3,341 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 51107, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Loudoun County closing costs
Pre-set to Virginia. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Loudoun County?
Loudoun County (Virginia): the applicable real-estate transfer tax works out to about 0.05%. Virginia's recording/transfer tax structure is set uniformly by state statute; the only true price-based COUNTY transfer tax is the local half of the grantor's tax (Va. Code 58.1-802): grantor tax is $0.50 per $500 of price = 0.10% total, split 50/50, so the locality keeps $0.25 per $500 = 0.05% of price, paid by the SELLER (grantor). Because Loudoun is a Northern Virginia Transportation Authority member, two additional grantor-paid (seller) fees also apply at closing: a WMATA Capital Fee of $0.10/$100 (0.10%) and a Regional Congestion Relief Fee of $0.10/$100 (0.10%) -- these are regionally/state-directed, not county-retained, so they are noted here rather than counted as the county transfer tax. Buyer (grantee) typically pays the state recordation tax ($0.25/$100) plus the local recordation tax (1/3 of state). Loudoun has incorporated towns (Leesburg, Purcellville, etc.) but no independent city, and no town levies its own real-estate transfer tax.
What are recording fees in Loudoun County?
Clerk of Circuit Court recording fee (statewide statutory schedule, Va. Code 17.1-275): deeds $23.00 for 1-10 pages, $37.00 for 11-30 pages, $57.00 for 31+ pages. Additional per-instrument fees: $5.00 Technology Trust Fund Fee, $3.00 open-space/library fee, $1.50 transfer fee on deeds, and a $20.00 deed-processing fee on every deed/deed of trust that generates a tax. Recordation taxes (separate from clerk fee): state recordation tax $0.25 per $100 of value (grantee-paid), plus a local/county recordation tax equal to 1/3 of the state amount (Va. Code 58.1-814).
How much are closing costs in Loudoun County?
Closing costs in Loudoun County follow Virginia'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 Loudoun County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 4,656 home-purchase mortgages in Loudoun County were about $7,137, of which roughly $3,341 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 Virginia county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.