Georgia closing cost calculator

We start with a typical Georgia home worth $329,115 in September 2026; the Zillow Home Value Index provides that basis. If you round the figure to $329,000 and put $65,800 down, the $263,200 loan comes with $7,570 in buyer closing costs.

Your cash to close is what you hand over on closing day; it combines your down payment with your other closing expenses. In this example, that amount is $73,370.

Insurance coverage under an owner's title policy protects you should another party later assert a right to your home. The $1,382 figure reflects a national estimate of 0.42% of the price, not a Georgia rate, because the calculator has no Georgia title table yet. Recording costs $25 according to the Chatham County schedule, so another county might set a different amount.

Excluding commission and the mortgage payoff, the seller has just one line: the $329 transfer tax. Enter your own figures in the calculator, and the table updates itself.

Lower-priced homes carry lower closing costs because the sale price affects nearly every line. In September 2026, Georgia home values ranged from $193,848 at the low end for the lower-priced third to $556,651, which covered the higher-priced third of Georgia homes at the high end. Without commission and with 20% down, buyer closing costs ran from $5,275 to $12,110.

Buyer costs in Georgia sit a little higher than in most states. Buyer closing costs here total $8,775 on a $400,000 home with 20% down. The median across the 50 states and DC is $7,850, putting Georgia $925 above it. Sellers come out slightly ahead: at $400,000, their costs before commission and payoff are $400, compared with a state median of $440.

One detail is different from many states. A lawyer must handle residential real estate closings in Georgia. Formal Advisory Opinion 13-1 from the Georgia Supreme Court barred lawyers from conducting "witness only" closings, as the note with O.C.G.A. § 15-19-50 explains.

Once you own the home, Georgia's median property tax bill for an owner-occupied home is $2,341 a year. According to US Census data, that works out to roughly 0.77% when compared with the median home value.

This state charge applies when the home changes owner. The rate equals 0.1% of the sale price. The seller pays it by custom.

The seller is legally liable, though a sales contract often shifts the cost to the buyer; check your contract instead of assuming either answer.

The deed cannot be recorded before payment comes due. For questions about taxability and exemptions, the Department of Revenue directs you to your county Clerk of Superior Court.

Because this state tax covers the paperwork that secures your mortgage, it's charged on the loan instead of the price. Buyers pay this tax, which is 0.3% of the loan The tax on the $263,200 example loan equals $790.

The tax for a long-term note is limited to $25,000 per note, and that limit matters only for very large loans. Your lender covers this tax and may charge it to you, although the tax cannot be counted as a finance charge.

Payment is due no later than 90 days after the date on the document securing your loan. Add your loan amount in the calculator, and the tax line updates on its own.

Commission is the largest closing cost for most sellers, though the totals don't include it until you enter a rate; that rate comes from your agreement, not the state. Nationally, Redfin puts the average buyer's agent commission at 2.42% of the price.

Compared with that amount, a Georgia seller's other costs look tiny. The $329,000 example shows seller costs of only $329 in transfer tax, once you exclude commission and mortgage payoff. Enter the rate you agreed on, and the calculator shows the seller's total with commission next to the buyer's.