Closing Costs by State: What Buyers Actually Pay
Updated: October 2025 • Reading time: 6–8 minutes
Closing costs by state vary with taxes, title fees, and lender charges. Most buyers pay about 2%–5% of the home price at closing. Use this guide to compare typical ranges, estimate cash to close, and learn how to lower your costs.
What’s included in buyer closing costs?
- Lender fees: origination/underwriting, credit report, discount points (optional).
- Appraisal & inspections: required for most mortgages and condos.
- Title & recording: title search/insurance, deed recording, transfer taxes where applicable.
- Prepaids & escrows: homeowner’s insurance, property taxes, and per-diem interest.
Closing costs by state (typical 2025 ranges)
These ranges are directional for a median-priced home and assume standard lender/title fees. Always check local quotes.
| State | Typical Range (USD) | Avg % of Price |
|---|---|---|
| California | $7,000 – $14,000 | 2.0% – 2.5% |
| Texas | $6,000 – $13,000 | 2.1% – 2.7% |
| Florida | $6,500 – $12,500 | 2.0% – 2.5% |
| New York | $9,000 – $18,000 | 2.5% – 3.5% |
| Illinois | $5,500 – $11,000 | 1.8% – 2.3% |
| Arizona | $5,000 – $9,500 | 1.6% – 2.2% |
| Washington | $6,500 – $12,500 | 2.0% – 2.5% |
| Pennsylvania | $6,000 – $11,500 | 2.0% – 2.5% |
How to estimate your cash to close
- Down payment (e.g., 5%–20%).
- Closing costs (add 2%–5%).
- Initial escrows for taxes/insurance.
- Subtract seller credits or lender credits if any.
Example: On a $400,000 home, plan about $12,000–$20,000 total at closing (down payment not included).
Ways to reduce closing costs
- Compare Loan Estimates from at least 3 lenders.
- Ask for lender credits (slightly higher rate, lower upfront fees).
- Request seller concessions in your offer.
- Avoid unnecessary discount points if you’ll refinance or move soon.
Use the calculator to model closing costs
Estimate your full monthly payment and cash-to-close with our tool. Select your state for typical property taxes, choose the loan type for PMI/MIP, and add extra principal to see payoff impact.
Open the Mortgage Calculator →
Related guides
For consumer education on mortgages and closing, visit the CFPB mortgage resources.