{"id":10407,"date":"2026-02-20T12:08:45","date_gmt":"2026-02-20T17:08:45","guid":{"rendered":"https:\/\/listwithclever.com\/closing-costs\/"},"modified":"2026-02-20T12:08:48","modified_gmt":"2026-02-20T17:08:48","slug":"closing-costs","status":"publish","type":"post","link":"https:\/\/listwithclever.com\/closing-costs\/","title":{"rendered":"Closing Costs on a House: How Much Will I Pay in 2026?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Buyers and sellers are responsible for separate closing costs during a home sale. Nationwide, sellers typically incur an average of 2.70%, while buyers face expenses ranging from 3-5%.&nbsp;These expenses do not include <a href=\"https:\/\/listwithclever.com\/average-real-estate-commission-rate\/\" target=\"_blank\" rel=\"noreferrer noopener\">real estate agent commissions<\/a>, which average 5.70% nationwide, or $21,108 to pay both agents.<span class=\"citation-number\" data-tippy-content=\"Clever Real Estate \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;&quot; href=&quot;https:\/\/listwithclever.com\/average-real-estate-commission-rate\/&quot;&gt;&quot;Average Real Estate Agent Commission Rates in 2024&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[1]<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These costs also differ significantly based on location and home price. For instance, home sellers in California tend to encounter higher closing costs than sellers in more affordable markets like Alabama.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To reduce these expenses, buyers and sellers can explore ways to save on different closing costs and <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-to-negotiate-realtor-commission\/\" target=\"_blank\" rel=\"noreferrer noopener\">negotiate lower realtor fees.<\/a> Keep reading to discover more about closing costs, including our savings tips.<\/p>\n\n\n<!--blockstudio\/acf\/content-drawer-->    <div class=\"drawers-wrapper\">\n            <div class=\"drawer-panel\">\n            <h3>\n              <button class=\"drawer-trigger\">\ud83d\udccd Average seller closing costs by state <\/button>\n            <\/h3>\n            <div class=\"drawer-content\">\n              <div>\n                <p><p><span style=\"font-weight: 400;\">Pick your state from the list below to learn the average seller closing costs in your area.\u00a0<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-alabama\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Alabama<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-alaska\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Alaska<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-arizona\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Arizona<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-arkansas\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Arkansas<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-california\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">California<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-colorado\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Colorado<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-connecticut\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Connecticut<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-delaware\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Delaware<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-florida\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Florida<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-georgia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Georgia<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-hawaii\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Hawaii<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-idaho\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Idaho<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-illinois\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Illinois<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-indiana\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Indiana<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-iowa\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Iowa<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-kansas\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Kansas<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-kentucky\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Kentucky<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-louisiana\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Louisiana<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-maine\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Maine<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-maryland\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Maryland<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-massachusetts\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Massachusetts<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs--in-michigan\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Michigan<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-minnesota\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Minnesota<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-mississippi\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Mississippi<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-missouri\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Missouri<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-montana\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Montana<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-nebraska\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Nebraska<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-nevada\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Nevada<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-new-hampshire\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">New Hampshire<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-new-jersey\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">New Jersey<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-new-mexico\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">New Mexico<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-new-york\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">New York<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-north-carolina\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">North Carolina<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-north-dakota\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">North Dakota<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-ohio\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Ohio<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-oklahoma\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Oklahoma<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-oregon\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Oregon<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-pennsylvania\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Pennsylvania<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-rhode-island\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Rhode Island<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-south-carolina\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">South Carolina<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-south-dakota\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">South Dakota<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-tennessee\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Tennessee<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-texas\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Texas<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-utah\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Utah<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-vermont\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Vermont<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-virginia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Virginia<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-washington\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Washington<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-west-virginia\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">West Virginia<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-wisconsin\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Wisconsin<\/span><\/a><\/td>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-wyoming\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Wyoming<\/span><\/a><\/td>\n<\/tr>\n<tr>\n<td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-washington-dc\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Washington DC<\/span><\/a><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/p>\n              <\/div>\n            <\/div>\n          <\/div>\n            <\/div>\n  \n\n<h2 id=\"how-closing-costs-work\">What are closing costs on a house sale in 2026?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Closing costs are the fees you must pay to complete a house sale. These include charges for setting up a mortgage for the buyer and taxes for the seller.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers usually take these costs out of their sale proceeds, while buyers pay them upfront.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The exact fees can vary greatly depending on your location and the house's cost. Here are some common ones:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Loan origination fees.<\/strong> The buyer's lender charges fees to process and approve the loan, usually paid by the buyer.&nbsp;<\/li>\n\n\n\n<li><strong>Prepaid costs. <\/strong>The lender requires the buyer to pay various costs, like homeowners insurance and property taxes, before settling into the house.<\/li>\n\n\n\n<li><strong>Title and settlement fees. <\/strong>These fees go to the company handling the sale paperwork, and they cover things like a title search to check the property's history and title insurance premiums. Buyers and sellers often split these fees.<\/li>\n\n\n\n<li><strong>Transfer taxes. <\/strong>When ownership changes, the state or local government might charge <a href=\"https:\/\/listwithclever.com\/transfer-taxes\/\" target=\"_blank\" rel=\"noreferrer noopener\">transfer taxes<\/a>. Sometimes, these are shared, but sellers often pay for them.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">It's crucial to note that <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/do-closing-costs-include-realtor-fees\/\" target=\"_blank\" rel=\"noreferrer noopener\">realtor fees aren't included in closing costs<\/a>, and are usually covered entirely by the seller.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udce2 How the NAR settlement impacts closing costs<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Previously, home sellers typically paid the buyer\u2019s agent\u2019s commission as part of the transaction. Following the <a href=\"https:\/\/listwithclever.com\/news\/nar-settlement-real-estate-commission-changes\/\" target=\"_blank\" rel=\"noreferrer noopener\">NAR settlement<\/a> changes, sellers are no longer required to offer a commission to the buyer\u2019s agent, and they must now negotiate agent fees separately.<span class=\"citation-number\" data-tippy-content=\"National Association of Realtors \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.nar.realtor\/the-facts\/what-the-nar-settlement-means-for-home-buyers-and-sellers&quot;&gt;&quot;What the NAR Settlement Means for Home Buyers and Sellers&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[2]<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, sellers may still choose to pay a commission to a buyer's agent, particularly in competitive markets. Buyers can also negotiate with their agents for a fee structure that suits their budget and preferences.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To get a clearer picture of potential closing costs and commissions in your area, consult with a local realtor. Realtors can provide a detailed seller\u2019s net sheet, which outlines all potential expenses, commissions, and net proceeds from the sale. <a href=\"#startmsf\">Fill out this form<\/a> to get matched with an experienced realtor in your area today! <\/div><\/div><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"full-breakdown\">Closing costs on a house: Full breakdown<\/h2>\n\n\n<!--blockstudio\/clever\/clever-table--><!--blockstudio\/clever\/clever-table--><div class=\"clever-table border-top border-bot col-1-left\" collapse=\"10\">\n<div >\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Category<\/strong><\/th><th><strong>For sellers<\/strong><\/th><th><strong>For buyers<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Average closing cost (%)<\/td><td>2.70%<\/td><td>3% to 5%<\/td><\/tr><tr><td>Typical closing cost ($)<\/td><td>$9,995<\/td><td>$10,000 to $17,000<\/td><\/tr><\/tbody><\/table><div class=\"read-more-btn-wrapper\"><span class=\"read-more-btn\">Show more<\/span><\/div><figcaption class=\"wp-element-caption\"><em>Note: Costs are estimated based on the median sales price nationwide.&nbsp;<\/em><\/figcaption><\/figure>\n\n<\/div><\/div><style>.col-1-left td:nth-child(1), .col-1-left th:nth-child(1){text-align:left;} <\/style>\n\n\n\n<p class=\"wp-block-paragraph\">Here's an overview of typical closing costs for both buyers and sellers.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">For sellers<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Closing costs:<\/strong> 2.70%<\/li>\n\n\n\n<li><strong>Typical expenses:<\/strong> Title insurance, transfer taxes, attorney fees<\/li>\n\n\n\n<li><strong>Average total:<\/strong> $9,995<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">For buyers<\/h4>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Closing costs:<\/strong> 3% to 5% of the home's sale price<\/li>\n\n\n\n<li><strong>Typical expenses:<\/strong> Loan origination fees, appraisal costs, recording fee<\/li>\n\n\n\n<li><strong>Average total:<\/strong> $10,000 to $17,000 of median sale price<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">According to Clever data, seller's total costs amount to 2.70% of the home's final sale price. For instance, on the median sale price nationwide of $370,320 this translates to $9,995.<span class=\"citation-number\" data-tippy-content=\"Zillow \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.zillow.com\/home-values\/102001\/united-states\/&quot;&gt;&quot;United States Home Values&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[3]<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A seller's actual total cost to sell surpasses 8% of the home's final sale price when including realtor fees. When factoring in all costs, including pre-listing expenses such as home preparation and repairs, plus commission and closing costs, the total cost to sell rises to 9.65%, or $35,733.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For buyers, closing costs tend to be slightly higher due to expenses associated with obtaining a mortgage, including loan origination fees and appraisal costs. These costs typically range from 3% to 5% of a home's sale price, amounting to $10,000 to $17,000 on the median sale price. However, it's worth noting that sellers typically cover the <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/buyers-agent-fee\/\" target=\"_blank\" rel=\"noreferrer noopener\">buyer's agent fees<\/a>, saving buyers 2.82%, or $10,443, nationwide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, buyers and sellers also usually split the settlement or closing fee, which can cost anywhere from $250 to $1,500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The costs and who pays what can vary depending on your location and the estimated sale price of your home. Check with a realtor or a local title company for details on what's common in your area.<\/p>\n\n\n<h2 id=\"seller\">How much are closing costs for sellers?<\/h2>\n\n\n<!--blockstudio\/clever\/clever-table--><!--blockstudio\/clever\/clever-table--><div class=\"clever-table border-top border-bot col-1-left\" collapse=\"10\">\n<div >\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>Type of cost<\/strong><\/th><th><strong>Typical cost (%)<\/strong><\/th><th><strong>Typical cost ($)<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Transfer taxes<\/td><td>.50%<\/td><td>$1,856<\/td><\/tr><tr><td>Owner's title insurance<\/td><td>0.31%<\/td><td>$1,131<\/td><\/tr><tr><td>Deed recording<\/td><td>0.03%<\/td><td>$121<\/td><\/tr><tr><td>Attorney fees<\/td><td>0.07%<\/td><td>$299<\/td><\/tr><tr><td>Seller concessions to buyer<\/td><td>2.00%<\/td><td>$7,406<\/td><\/tr><\/tbody><\/table><div class=\"read-more-btn-wrapper\"><span class=\"read-more-btn\">Show more<\/span><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<\/div><\/div><style>.col-1-left td:nth-child(1), .col-1-left th:nth-child(1){text-align:left;} <\/style>\n\n\n\n<p class=\"wp-block-paragraph\">Seller's total costs can vary significantly, with nationwide averages ranging between $10,804 to $70,801, depending on factors such as the home's sale price and location.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"box-sizing: border-box; margin: 0px; padding: 0px;\">Sellers can request a <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-net-sheet\/\" target=\"_blank\" rel=\"noreferrer noopener\">realtor's net sheet<\/a> to get a more accurate estimate of their closing costs, projected sale price, realtor commission, and total net proceeds<\/span>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Realtors typically provide a seller's net sheet for free during their initial listing presentation before the house gets listed. However, it can also be beneficial for estimating costs even after listing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Below is a breakdown of potential closing costs sellers may encounter.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Transfer taxes&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Local governments, typically at the city or county level, maintain home ownership records and often levy fees or <a href=\"https:\/\/listwithclever.com\/transfer-taxes\/\" target=\"_blank\" rel=\"noreferrer noopener\">transfer taxes<\/a> when properties get transferred.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The seller commonly bears these costs, varying significantly depending on the location. It ranges from .10% to 4% of the home's sale price, depending on the state.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Owner's title insurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/listwithclever.com\/title-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Title insurance<\/a> protects homeowners if someone files a claim against the property before it was purchased. Depending on the location, the seller or the buyer may cover this cost. On average, it amounts to around 0.33% or $1,131.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">During the home buying process, you may receive an itemized list of closing fees, including title insurance costs, from your settlement agent, lawyer, lender, real estate agent, or title insurance company. While these figures might not match exactly what you initially quoted in your Loan Estimate or Closing Disclosure, they don't necessarily indicate an error in the charges.<span class=\"citation-number\" data-tippy-content=\"Consumer Financial Protection Bureau \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-owners-title-insurance-en-164\/&quot;&gt;&quot;What is owner&amp;#039;s title insurance?&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[4]<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Seller recording fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Recording fees are charges imposed for recording a deed transferring property ownership. They typically amount to just 0.03% or $121 on average, paid at closing when signing final documents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, our data found that these costs can vary significantly, with sellers in Colorado paying only $10, while those in Maryland average $2,066, for example.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Attorney fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In many U.S. states, real estate transactions need to be closed by attorneys, while in others, it's optional.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Regardless, sellers and buyers can hire an attorney to oversee the transaction, review documents, and catch any errors or omissions that could affect the sale proceeds.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On average, attorney fees nationwide amount to $299, but the cost may vary depending on the level of support required.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Buyer's closing costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers can sometimes partially or fully cover buyers' closing costs, depending on negotiations. The prevalence of this practice varies based on factors like market conditions, home prices, and inventory levels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On average, sellers contribute around 2.00% of the home's price, amounting to approximately $7,406 for a median-priced home nationwide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In buyer's markets, where buyers hold the advantage, sellers are more likely to cover a portion of these costs; in seller's markets with high demand and limited inventory, sellers may not offer any assistance to buyers.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prorated property taxes<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Prorated property taxes are adjustments made at closing to cover part of property taxes owed based on the time you've owned the home.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically, sellers credit buyers with a prorated amount to ensure fairness, as buyers shouldn't pay for taxes charged before they own the property. These taxes differ from other closing costs because they're expenses sellers would have paid anyway, regardless of the sale.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other potential seller closing costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Sellers might need to cover additional closing costs, although they may not arise in every situation and depend on individual circumstances.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Homeowners Association (HOA) transfer fees. <\/strong>These fees apply when property ownership within an HOA gets transferred from the seller to the buyer. They cover administrative expenses associated with updating HOA records and transferring ownership.<\/li>\n\n\n\n<li><strong>Home warranty fees. <\/strong>These are optional expenses that sellers may offer as an incentive to buyers. A home warranty covers repairing or replacing major home systems and appliances in case of normal wear and tear after the sale.<\/li>\n\n\n\n<li><strong>Mortgage prepayment fees.<\/strong> Sellers settle their <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/what-happens-to-your-mortgage-when-you-sell-your-home\/\" target=\"_blank\" rel=\"noreferrer noopener\">existing mortgage<\/a> upon closing the home sale, using funds from the sale proceeds. In some cases, they might face a prepayment penalty for this action, particularly with recently originated mortgages (within three or five years).<span class=\"citation-number\" data-tippy-content=\"Consumer Financial Protection Bureau \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-prepayment-penalty-en-1957\/&quot;&gt;&quot;What is a prepayment penalty?&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[5]<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Still, these costs pale compared to realtor commissions, which average 5.70% nationwide, or $21,108.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">States with the highest seller closing costs<\/h4>\n\n\n<!--blockstudio\/clever\/clever-table--><!--blockstudio\/clever\/clever-table--><div class=\"clever-table border-top border-bot col-1-left\" collapse=\"10\">\n<div >\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>State<\/strong><\/th><th><strong>Cost<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-washington\/\" target=\"_blank\" rel=\"noreferrer noopener\">Washington<\/a><\/td><td>$22,069<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-hawaii\/\" target=\"_blank\" rel=\"noreferrer noopener\">Hawaii<\/a><\/td><td>$21,386<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-california\/\" target=\"_blank\" rel=\"noreferrer noopener\">California<\/a><\/td><td>$21,024<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-massachusetts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Massachusetts&nbsp;<\/a><\/td><td>$20,403<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-new-jersey\/\" target=\"_blank\" rel=\"noreferrer noopener\">New Jersey<\/a><\/td><td>$18,334<\/td><\/tr><\/tbody><\/table><div class=\"read-more-btn-wrapper\"><span class=\"read-more-btn\">Show more<\/span><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<\/div><\/div><style>.col-1-left td:nth-child(1), .col-1-left th:nth-child(1){text-align:left;} <\/style>\n\n\n\n<h4 class=\"wp-block-heading\">States with the lowest seller closing costs<\/h4>\n\n\n<!--blockstudio\/clever\/clever-table--><!--blockstudio\/clever\/clever-table--><div class=\"clever-table border-top border-bot col-1-left\" collapse=\"10\">\n<div >\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><strong>State<\/strong><\/th><th><strong>Cost<\/strong><\/th><\/tr><\/thead><tbody><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-mississippi\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mississippi<\/a><\/td><td>$5,573<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-iowa\/\">Iowa<\/a><\/td><td>$6,120<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-west-virginia\/\" target=\"_blank\" rel=\"noreferrer noopener\">West Virginia<\/a><\/td><td>$6,464<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-louisiana\/\" target=\"_blank\" rel=\"noreferrer noopener\">Louisiana<\/a><\/td><td>$6,810<\/td><\/tr><tr><td><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/seller-closing-costs-in-kentucky\/\" target=\"_blank\" rel=\"noreferrer noopener\">Kentucky<\/a><\/td><td>$6,934<\/td><\/tr><\/tbody><\/table><div class=\"read-more-btn-wrapper\"><span class=\"read-more-btn\">Show more<\/span><\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n<\/div><\/div><style>.col-1-left td:nth-child(1), .col-1-left th:nth-child(1){text-align:left;} <\/style>\n\n\n<h2 id=\"buyer\">How much are closing costs for buyers?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">The majority of buyers' closing costs are associated with their mortgage. Additional fees may apply depending on the location and negotiations with the seller.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Typically, buyers can expect to pay between 3% to 5% of the home's purchase price in closing costs. Here are the common expenses incurred at closing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Prepaid costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mortgage lenders often require buyers to prepay certain ongoing homeownership expenses at closing. These typically include property taxes, homeowners insurance, and any accrued mortgage interest from the closing date to the first mortgage payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Title and escrow charges<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">These fees encompass the cost of research and documentation to facilitate a smooth and legitimate transfer of homeownership. It also includes the settlement fee charged by the title company, escrow company, or real estate closing attorney overseeing the closing process. Usually, these charges are divided between the buyer and seller.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lender fees<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Among the most significant closing costs for buyers are lender fees, which the buyer's mortgage lender charges for originating and underwriting the loan. This encompasses various expenses associated with the loan, including appraisal fees averaging $376 nationwide, survey fees, and any <a href=\"https:\/\/listwithclever.com\/seller-concessions\/#what-costs\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage points<\/a> paid.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Mortgage recording fee<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The buyer recording fee averages $131 nationwide, according to our data, while the Home Buying Institute reports an average cost of $125 for this fee.<span class=\"citation-number\" data-tippy-content=\"Home Buying Institute \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.homebuyinginstitute.com\/closing_article4.php&quot;&gt;&quot;How Much are Closing Costs When Buying a Home?&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[6]<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">These charges are listed in section E on page 2 of your Loan Estimate (and section E on page 2 of your Closing Disclosure). The total of these charges and certain other settlement services can't increase by more than 10% at closing, according to the CFPB.<span class=\"citation-number\" data-tippy-content=\"Consumer Financial Protection Bureau \u2013 &lt;a target=&quot;_blank&quot; rel=&quot;noopener noreferrer nofollow&quot; href=&quot;https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-are-government-recording-charges-for-a-mortgage-en-159\/&quot;&gt;&quot;What are government recording charges for a mortgage?&quot;&lt;\/a&gt;&lt;br&gt;&lt;br&gt;&lt;a class=&quot;view-all-sources-link&quot; href=&quot;#article-sources&quot;&gt;View All Sources&lt;\/a&gt;\">[7]<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Other buyer closing costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Other buyer closing costs may include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/home-inspection-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">Home inspection cost<\/a><\/li>\n\n\n\n<li>Natural disaster certification fee<\/li>\n\n\n\n<li>Pest inspection fees<\/li>\n\n\n\n<li><a href=\"https:\/\/listwithclever.com\/real-estate-blog\/realtor-or-real-estate-lawyer-which-is-cheaper\/\" target=\"_blank\" rel=\"noopener\" data-wpil-monitor-id=\"884\">Real estate attorney fees<\/a><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Note: These costs don't cover the expenses associated with local moving, ranging from $609 to $17,623, according to our estimates.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><div class=\"textbox\"><div class=\"textbox-content\"> <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">\ud83d\udce3 Important: Buyers can request closing cost assistance!<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Homebuyers can request <a href=\"https:\/\/listwithclever.com\/seller-concessions\/\" target=\"_blank\" rel=\"noreferrer noopener\">seller concessions<\/a> to cover part or all of their closing costs, a common practice, especially for first-time homeowners with limited cash reserves.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This option allows buyers to reduce their financial burden at closing. Sometimes, sellers may even offer to cover these costs upfront to attract more potential buyers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nationwide, sellers typically allocate an average of 2.00% toward buyer incentives, totaling approximately $7,406. However, this practice is negotiable and depends on factors like the local housing market's strength and buyer preferences.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"sellers-closing-costs-calculator\">Consult with a local real estate professional or use Clever for personalized guidance. <a href=\"#startmsf\">Fill out this quick form<\/a> to get matched with a knowledgeable local real estate expert today. <\/div><\/div><\/p>\n\n\n<h2 id=\"comparison\">Sellers closing costs calculator<\/h2>\n\n\n\n<script type=\"module\">\n  import { CleverContentCostCalculatorWidget } from 'https:\/\/listwithclever.com\/wp-content\/cost-calculator\/v1-1\/bundle.js';\n\n  window.customElements.define(\n    'clever-content-cost-calculator-widget',\n    CleverContentCostCalculatorWidget,\n  );\n<\/script>\n<clever-content-cost-calculator-widget\n  ctaUrlSlug=\"\/seller-closing-costs-calculator\/\"><\/clever-content-cost-calculator-widget>\n\n\n\n<p class=\"wp-block-paragraph\">Try our seller closing costs calculator to estimate your potential closing expenses.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Please note that the figures provided are based on average closing cost data and the national median home price. Actual costs may vary significantly based on your location and final sale price.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Contact a local realtor for a personalized seller's net sheet for a more precise estimate. Clever can <a role=\"button\" startmsf=\"\" msftrigger=\"text_link\">match you up with an experienced agent for more guidance.<\/a><\/p>\n\n\n<h2 id=\"save\">How to save on closing costs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Shop around for services.<\/strong> Buyers can obtain quotes from multiple loan providers to find the best rate and terms. Sellers can also compare rates from attorneys and title companies to find competitive prices without compromising quality.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, sellers should remember that <a href=\"https:\/\/listwithclever.com\/real-estate-blog\/how-to-negotiate-realtor-commission\/\" target=\"_blank\" rel=\"noreferrer noopener\">negotiating realtor fees<\/a> can result in greater savings. For instance, reducing the rate by 0.50% on a $500,000 home sale could save $2,500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Hire a discount broker. <\/strong>Sellers can opt for a <a href=\"https:\/\/listwithclever.com\/discount-real-estate-brokers\/\" target=\"_blank\" rel=\"noreferrer noopener\">discount broker<\/a> like Clever Real Estate, which offers a pre-negotiated flat 1.5% listing fee with top agents from reputable brokerages like Keller Williams or Century 21. This allows sellers to receive quality service at a fraction of the typical cost.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Search for grants and assistance. <\/strong>Homebuyers, especially first-time buyers, may qualify for down payment and closing cost assistance programs to reduce out-of-pocket expenses.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, government housing programs through <a href=\"https:\/\/www.hud.gov\/topics\" target=\"_blank\" rel=\"noreferrer noopener\">HUD<\/a>, non-profit organizations, and local initiatives offer grants, loans, or subsidies to help buyers cover these costs.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pro tip: Use the expertise of a knowledgeable local realtor and mortgage lender to identify the best home buyer programs or grants available in your area.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Get a home buyer rebate. <\/strong>Some real estate agents or brokers offer a <a href=\"https:\/\/listwithclever.com\/home-buyer-rebates\/\" target=\"_blank\" rel=\"noreferrer noopener\">home buyer rebate,<\/a> also known as a commission rebate, where they share a portion of their commission with the buyer. For example, a refund of 0.50% at closing on a $350,000 home sale would result in a savings of $1,750.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Related links<\/h3>\n\n\n    <div class=\"related-posts\">\n                    <a target=\"_blank\" class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-commission-calculator\/\">\n                                    <div class=\"related-image\">\n                        <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"513\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/4e9fdb10-cb42-11e9-a1ca-cf10a8def106-how_and_why_to_calculate_your_home_equity-ogid-123067-768x513.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/4e9fdb10-cb42-11e9-a1ca-cf10a8def106-how_and_why_to_calculate_your_home_equity-ogid-123067-768x513.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/4e9fdb10-cb42-11e9-a1ca-cf10a8def106-how_and_why_to_calculate_your_home_equity-ogid-123067-360x240.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/4e9fdb10-cb42-11e9-a1ca-cf10a8def106-how_and_why_to_calculate_your_home_equity-ogid-123067-300x200.jpg 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/4e9fdb10-cb42-11e9-a1ca-cf10a8def106-how_and_why_to_calculate_your_home_equity-ogid-123067.jpg 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                    <\/div>\n                                <div class=\"related-info\">\n                    <h4 class=\"related-title\">\n                        Real Estate Commission Calculator: How Much Will You Pay?                    <\/h4>\n                    <div class=\"related-excerpt\">\n                        Our real estate commission calculator is a handy tool to estimate potential realtor fees and your net proceeds, considering closing costs and loan payoff.                    <\/div>\n                <\/div>\n            <\/a>\n                    <a target=\"_blank\" class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/do-sellers-pay-buyers-agent-commission\/\">\n                                    <div class=\"related-image\">\n                        <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2153891527-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"Man refusing to pay\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2153891527-768x512.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2153891527-360x240.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2153891527.jpg 1000w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                    <\/div>\n                                <div class=\"related-info\">\n                    <h4 class=\"related-title\">\n                        Can a Seller Refuse to Pay a Buyer's Agent?                    <\/h4>\n                    <div class=\"related-excerpt\">\n                        What happens if a seller agrees to pay a buyer's agent in writing and refuses to do so? Learn the truth about realtor commissions.                     <\/div>\n                <\/div>\n            <\/a>\n                    <a target=\"_blank\" class=\"related-post\" href=\"https:\/\/listwithclever.com\/real-estate-blog\/buyers-agent-fee\/\">\n                                    <div class=\"related-image\">\n                        <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"Home buyer fees\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-768x512.jpg 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-360x240.jpg 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-1024x683.jpg 1024w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-1536x1024.jpg 1536w, https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_2479557449-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                    <\/div>\n                                <div class=\"related-info\">\n                    <h4 class=\"related-title\">\n                        Buyers Agency Fee: Pay It Yourself or Ask the Seller?                    <\/h4>\n                    <div class=\"related-excerpt\">\n                        The seller compensated the buyer\u2019s agent from the proceeds of the sale, so the buyer is not on the hook for a payment.                    <\/div>\n                <\/div>\n            <\/a>\n                    <a target=\"_blank\" class=\"related-post\" href=\"https:\/\/listwithclever.com\/transfer-taxes\/\">\n                                    <div class=\"related-image\">\n                        <img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"384\" src=\"https:\/\/listwithclever.com\/wp-content\/uploads\/07635bd0-cd19-11ea-b44f-f5c7da208e23-TransferTaxesHeaderIMage2-768x384.png\" class=\"attachment-medium_large size-medium_large wp-post-image\" alt=\"\" srcset=\"https:\/\/listwithclever.com\/wp-content\/uploads\/07635bd0-cd19-11ea-b44f-f5c7da208e23-TransferTaxesHeaderIMage2-768x384.png 768w, https:\/\/listwithclever.com\/wp-content\/uploads\/07635bd0-cd19-11ea-b44f-f5c7da208e23-TransferTaxesHeaderIMage2-360x180.png 360w, https:\/\/listwithclever.com\/wp-content\/uploads\/07635bd0-cd19-11ea-b44f-f5c7da208e23-TransferTaxesHeaderIMage2-300x150.png 300w, https:\/\/listwithclever.com\/wp-content\/uploads\/07635bd0-cd19-11ea-b44f-f5c7da208e23-TransferTaxesHeaderIMage2.png 810w\" sizes=\"auto, (max-width: 768px) 100vw, 768px\" \/>                    <\/div>\n                                <div class=\"related-info\">\n                    <h4 class=\"related-title\">\n                        What Are Transfer Taxes?                    <\/h4>\n                    <div class=\"related-excerpt\">\n                        Transfer taxes are fees imposed by state and local governments when property changes hands. Depending on location, this tax can range from 0.01% to over 4%.                    <\/div>\n                <\/div>\n            <\/a>\n            <\/div>\n    \n","protected":false},"excerpt":{"rendered":"<p>Wondering who pays what when it comes to closing costs? Whether you are selling your home or buying a new one, we break down exactly what closing costs to expect.<\/p>\n","protected":false},"author":46,"featured_media":53346,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[143,259],"class_list":["post-10407","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home","tag-home-selling","tag-real-estate-costs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Closing Costs on a House: How Much Will I Pay?<\/title>\n<meta name=\"description\" content=\"Closing costs on a house vary widely for both sellers and buyers. We break down estimated closing costs and who pays each expense.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/listwithclever.com\/closing-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Closing Costs on a House: How Much Will I Pay?\" \/>\n<meta property=\"og:description\" content=\"Closing costs on a house vary widely for both sellers and buyers. We break down estimated closing costs and who pays each expense.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/listwithclever.com\/closing-costs\/\" \/>\n<meta property=\"og:site_name\" content=\"Clever Real Estate\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/listwithclever\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-02-20T17:08:45+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-20T17:08:48+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/listwithclever.com\/wp-content\/uploads\/shutterstock_1457498060.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"667\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Steve Nicastro\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@listwithclever\" \/>\n<meta name=\"twitter:site\" content=\"@listwithclever\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Steve Nicastro\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"11 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/\"},\"author\":{\"name\":\"Steve Nicastro\",\"@id\":\"https:\\\/\\\/listwithclever.com\\\/#\\\/schema\\\/person\\\/75c97ab3ec00b00fb4e7f85ae50a2dcd\"},\"headline\":\"Closing Costs on a House: How Much Will I Pay in 2026?\",\"datePublished\":\"2026-02-20T17:08:45+00:00\",\"dateModified\":\"2026-02-20T17:08:48+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/\"},\"wordCount\":2859,\"publisher\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/listwithclever.com\\\/wp-content\\\/uploads\\\/shutterstock_1457498060.jpg\",\"keywords\":[\"Home Selling\",\"Real Estate Costs\"],\"articleSection\":[\"Home\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/\",\"url\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/\",\"name\":\"Closing Costs on a House: How Much Will I Pay?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/listwithclever.com\\\/closing-costs\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/listwithclever.com\\\/wp-content\\\/uploads\\\/shutterstock_1457498060.jpg\",\"datePublished\":\"2026-02-20T17:08:45+00:00\",\"dateModified\":\"2026-02-20T17:08:48+00:00\",\"description\":\"Closing costs on a house vary widely for both sellers and buyers. 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Prior to joining Clever, Steve helped buyers and sellers navigate a challenging real estate market in Charleston, S.C., closing $6 million in transaction volume for 2020 and 2021. Over his career, Steve has bought and sold over 30 homes with a total value exceeding $8 million. This includes 20 homes as a realtor, 7 as an investor, and 3 as a primary homeowner and for sale by owner (FSBO) seller. Steve successfully used a local flat fee MLS service to get the FSBO properties marketed online, saving on commission costs. Steve also worked as a personal finance writer for NerdWallet for over 6 years. His work has been published at USA Today, The Associated Press, U.S. News, and the New York Times, among other online publications. Expertise: Real estate commission, selling a house without a realtor, buying a home, real estate investing. Education: Quinnipiac University Credentials: Full-time, licensed real estate agent in the Charleston, S.C. market from 2019-22. 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