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Estimate a home buyer's closing costs from the price and state: lender, appraisal, title and settlement fees, recording fees and transfer taxes.
Working it out...
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Starts from the average closing costs in your state: the lender's origination and underwriting fees, appraisal, title insurance, settlement and escrow fees, recording fees and state and local transfer taxes, as a share of the average home price (LodeStar Software Solutions' 2025 data as published by Bankrate: from 0.46% in South Dakota to 2.99% in Delaware). Because those averages are single figures, low and high apply the spread of Freddie Mac's 2% to 5% range around its 3.5% midpoint (about 0.57 and 1.43 times the state average). A state not chosen uses the unweighted average of the 50 states and DC (1.06%). Prepaid items (interest, property tax and homeowners insurance paid at closing) are not included.
Estimates for planning, not professional advice. What changed and when →
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