Louisiana closing cost calculator
Add a sale price to see each line for both buyer and seller.
This works from cited sources for a conventional loan, including lender charges, a lender's policy and prepaid items; it applies 20% down until you enter your own, and adds commission only after you enter it.
- State-level transfer tax
- None on a deed
For a typical $214,000 Louisiana home with 20% down, this Louisiana closing cost calculator puts buyer closing costs at about $5,078. Enter your own price and your numbers appear in seconds. Before any commission or mortgage payoff, sellers face no closing-cost lines to pay. Louisiana lets you choose your own providers, so put your price into the calculator now, review the estimated cost lines and cash to close, then compare title and settlement quotes before settling on a company.
How Louisiana differs
- No state transfer tax applies to a deed in Louisiana. landcan.org
- In Louisiana, buyers may shop for and select their own title insurance and settlement providers, rather than only the company a seller or agent recommends. ldi.la.gov
- You may be expected to pay the premium if your lender requires a lender's title policy, which is likely when you finance your purchase. ldi.la.gov
- Louisiana buyers may choose whether to add an owner's title policy. It covers the purchase price and legal costs if a title problem arises. ldi.la.gov
Louisiana closing costs for a $214,000 home
The September 2026 reading for a typical Louisiana home is $213,867, taken from the Zillow Home Value Index. We used $214,000 after rounding, with $42,800 down and $171,200 borrowed.
Your lender sets up the loan, and the origination charge covers that fee. Interest paid at closing on your loan is prepaid interest; here it covers 15 days.
Cash to close is everything you pay on closing day: your down payment plus closing costs. The total reaches $47,878 here.
That title figure comes from a national estimate rather than a Louisiana rate. Add your county's recording fee on top, since it isn't included. For property taxes, the median bill in Louisiana for an owner-occupied home is $1,180 a year, about 0.55% of a typical home's value.
| Line | Paid by | Amount | Basis |
|---|---|---|---|
| Origination charge | Buyer | $1,712 | 1% of $171,200 |
| Appraisal | Buyer | $359 | |
| Credit report | Buyer | $30 | |
| Owner's title policy | Buyer | $899 | 0.42% of $214,000 |
| Homeowners insurance, 12 months | Buyer | $1,569 | |
| Prepaid interest, 15 days | Buyer | $509 | 7.24% on $171,200 |
Louisiana closing costs for different home types
The calculator lists estimated cost lines once you add a sale price. Each example here assumes 20% down; add your own price to watch the estimated costs shift. Only after you add a rate will a buyer's agent commission show up; Redfin reports the national average at 2.42% based on the price.
A change in price changes the total. In September 2026, typical values for Louisiana homes of several types ran from $112,311 for the cheapest third of homes to $361,666 for the priciest third.
Enter the price you're considering to view your cost lines and your cash to close.
| Home | Typical value | Buyer closing costs | Cash to close, 20% down | Seller costs before commission |
|---|---|---|---|---|
| Lower-priced third of homes | $112,311 | $3,596 | $26,058 | $0 |
| 1 bedroom | $128,711 | $3,835 | $29,577 | $0 |
| 2 bedrooms | $135,382 | $3,932 | $31,008 | $0 |
| Condo or co-op | $162,639 | $4,329 | $36,857 | $0 |
| 3 bedrooms | $215,289 | $5,097 | $48,155 | $0 |
| Single-family house | $215,004 | $5,093 | $48,094 | $0 |
| 4 bedrooms | $325,689 | $6,707 | $71,844 | $0 |
| 5 or more bedrooms | $454,760 | $8,589 | $99,541 | $0 |
| Higher-priced third of homes | $361,666 | $7,231 | $79,564 | $0 |
Who pays closing costs in Louisiana
| Line | Customary payer | Rate or amount | Source |
|---|---|---|---|
| Origination charge | Buyer | At 1% of the loan amount | bankrate.com |
| Appraisal | Buyer | $359 | angi.com |
| Buyer's agent commission | Set in the buyer agreement | 2.42% average | redfin.com |
Closing costs in Louisiana
Louisiana applies no state transfer tax to any deed. Much of what you pay covers your lender's fees, title insurance, and the work of starting the home purchase and loan.
Title insurance protects you against problems over the property's legal ownership. The premium may fall to you for the lender's title policy that lenders usually require when you get a mortgage. In Louisiana, an owner's title policy is optional. If you add it, you receive protection for the purchase price and legal costs if a title problem appears later.
In Louisiana, you're free to shop for and choose your own title and settlement services You don't have to use the company named by a seller or agent. The calculator gives you a starting point, and knowing roughly what each line costs makes quote comparisons easier.
Seller costs in Louisiana
Louisiana has no state transfer tax, and our data shows no seller-side fees, so sellers here start at $0 before commission and any mortgage payoff. Enter your sale price and commission rate now to get a starting estimate before you list, since the calculator leaves out commission until you add a rate.
Closing costs for nearby states
A Louisiana buyer putting 20% down on a $400,000 price pays $7,790 in closing costs. The median across all 50 states plus DC is $7,850, which is $60 more than Louisiana. Before commission and mortgage payoff, the calculator shows Louisiana sellers pay $0, while the median across states is $440. Sellers in the median state pay $440 before commission and payoff; Louisiana sellers pay $0.
Arkansas also comes to $5,078 for the same $214,000 home, but it charges a $706 transfer tax. Costs are a little higher in Mississippi and Texas.
| State | Buyer closing costs at $214,000 | Transfer tax | Cash to close, 20% down |
|---|---|---|---|
| Arkansas | $5,078 | $706 | $47,878 |
| Mississippi | $5,130 | $0 | $47,930 |
| Texas | $5,523 | $0 | $48,323 |