Closing Cost Breakdown by State: 2025 Homebuyer Reference Guide
Review typical 2025 closing costs by state, including lender fees, title charges, and transfer taxes so you can budget accurately.
Why this article matters
- Expect closing costs between 2% and 5% of the purchase price, with transfer taxes driving the biggest regional swings.
- States like New York, New Jersey, and Florida have unique doc stamps or mansion taxes that add thousands to the final figure.
- Negotiate for seller credits or lender credits to offset costs without depleting your cash reserves.