Georgia closing costs calculator
Georgia buyer closing costs typically run about 2.2% of the purchase price. Here's a realistic estimate for your purchase.
Home & loan details
Estimated totals
Your actual closing costs may differ based on your lender, location, and home inspections. Estimates only based on national averages. Always confirm with a licensed lender.
What this means for your cash to close
On a $400,000 home in this state tier, expect about $13,198 in closing costs — roughly 3.30% of the price. Add your $40,000 down payment and plan for a total of $53,198 cash at the closing table.
Typical buyer closing costs run 2–5% of the purchase price. Below 2.5% is low, around 3% is typical for most US markets, and 4–5%+ is common in NY, NJ, and DC.
Low vs. typical vs. high-cost state
Same $400,000 home, 10.0% down — only the state tier changes.
| Scenario | Low-cost TX / FL / NC | Typical National avg | High-cost NY / NJ / CA |
|---|---|---|---|
| Total closing costs | $12,798 | $13,198 | $13,758 |
| % of home price | 3.20% | 3.30% | 3.44% |
| Cash to close | $52,798 | $53,198 | $53,758 |
Recording and transfer taxes are the biggest swing factor between low and high-cost states.
Cash-to-close checklist
Every dollar you’ll need at the closing table.
- Down payment: $40,000Wired to the title company 1–2 days before closing.
- Lender fees: $4,265Origination, underwriting, appraisal, credit.
- Title & settlement: $4,300Title insurance (both policies) plus settlement agent fee.
- Inspections & surveys: $900Home inspection (typically paid before closing) + survey.
- Prepaids & escrow: $2,133First year of homeowners insurance + 2 months of property tax.
- Government fees & transfer taxes: $1,600Recording fees and transfer taxes — biggest state-to-state swing.
- Total cash to close: $53,198Confirm the exact number on your Closing Disclosure 3 days before closing.
Common mistakes buyers make
Use the checklist to plan the rest of your buying process
Closing is one line on your path. See the full step-by-step guide for first-time buyers — from pre-approval through move-in day.
What’s typical in your state
Buyers in Georgia typically pay 2.2% of the home price in closing costs. On a $350,000 home, that's about $7,700 — on top of your down payment.
Closing costs vary based on lender choice, title company, and whether you buy discount points.
How to reduce closing costs
- • Ask for seller concessions (1–3% is common).
- • Shop 3+ lenders for origination fees.
- • Compare 2 title companies.
- • Check your state housing agency for closing cost assistance.
Frequently asked questions
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