Source-cited · We don't sell mortgages
Know your closing costs before you sign.
Estimate the cash you'll need at the closing table — transfer tax, title insurance, recording fees, lender fees and prepaids — broken down by state and county. Every rate is cited to its official source. Free, no sign-up, nothing to upload.
Try it now
A quick buyer estimate — change the state to see how much closing costs swing.
Estimated closing costs
$9,323
≈ 2.33% of the home price · excludes your down payment
Cash to close
$89,323
incl. down payment
Line-by-line breakdown
Free closing-cost tools
Closing costs by state
All states →Each state page shows the real transfer-tax rate, recording fees, title method and attorney rules — with the official source cited and the date we verified it.
Every number is cited
Each state rate links to the statute and the official source, with the date we checked it. Unverified states are flagged and kept out of search.
No data leaves your browser
No account, no quote form, no PII. The math runs locally. We can't sell what we never collect.
Genuinely neutral
We don't sell mortgages. Partner links are clearly labeled, flat-fee, and never reorder our estimates or rankings.
Frequently asked questions
How much are closing costs for a buyer?
For buyers, closing costs typically run about 2%–5% of the purchase price once you add lender fees, title insurance, recording fees, transfer tax (where the buyer pays it), the appraisal and inspection, and prepaid items like the first year of homeowners insurance and a few months of property-tax escrow. The biggest swing factor is your state: transfer tax alone ranges from $0 in Texas to 4% in Delaware. Use the calculator above for a state-specific estimate.
Does TallyClose sell mortgages or take my information?
No. TallyClose is an independent information publisher. We don't originate loans, take applications, or collect your personal information. Everything runs in your browser — nothing you type is uploaded. When we link to a partner (for example to compare mortgage rates or title quotes), it's a clearly labeled outbound link to their own site, and we're paid a flat referral fee that never changes our estimates or how we order partners.
Where do your rates come from?
Every transfer-tax rate, recording fee, and title method is tied to an official source — the state revenue department, county recorder, or insurance department — with the citation and the date we verified it shown on each state page. States we haven't finished source-verifying are shown as clearly flagged estimates and kept out of search. The dataset was last reviewed in June 2026.
Who pays closing costs, the buyer or the seller?
Both pay, but different items. Buyers generally pay lender fees, the appraisal, lender's title insurance, and prepaids. Sellers generally pay the agent commission (the largest single cost) and, in most states, the bulk of the transfer tax. Who pays the transfer tax specifically is set by state custom — buyer, seller, or split — and our transfer-tax lookup shows it for each state.
Closing soon? Get the buyer’s closing-cost checklist
A free, plain-English checklist of every line item to expect at the closing table — plus the occasional note when state rates change. No spam. Unsubscribe anytime. We never share your email.