North Dakota closing cost calculator

The September 2026 reading for a typical North Dakota home is $290,657, taken from the Zillow Home Value Index. Rounding to $291,000, we assumed $58,200 down (20%) and a $232,800 mortgage. With those figures, a buyer pays $6,241 in closing costs, about 2.1% of the price; adding the down payment brings cash to close to $64,441.

Setting up your mortgage is what the lender's origination fee covers. Prepaid interest covers the period after your closing date, running until the first month of full loan payments begins.

Your own loan amount and rate change several of these lines; enter your numbers in the calculator for figures that fit your deal.

Across North Dakota home types in September 2026, the least expensive third of homes had typical values of $167,473 and the most expensive third $458,548. Across that spread and with 20% down, buyer closing costs go from $4,049 to $9,006.

Buyers of a $400,000 home in North Dakota pay $7,830 in closing costs with 20% down. Across all 50 states and DC the national median is $7,850; North Dakota sits $20 below that.

Sellers owe nothing on closing-cost lines here, aside from commission and any mortgage payoff. For a $400,000 sale price, sellers in the median state pay $440, which puts sellers in North Dakota $440 ahead.

For agents, commission is handled in a different way. Nationally, commissions for buyer's agents average 2.42% of the price. Once you enter a rate, the calculator adds this fee.

Stark County's recording fees apply to each document: 1 to 6 pages cost $20, and 7 to 25 pages cost $65. If the recorder adds an extra page and a 6-page deed becomes 7 pages, then $65 applies rather than $20.

A deed also has to clear a few checks before the county will record it:

• It must show either the full purchase price paid or the exemption the buyer claims; an affidavit of affixation must follow the same rule.
• Every buyer's post-office address must be listed; a street address is also required if the property lies inside city limits.
• If a description follows metes and bounds, the deed must identify its drafter and include that person's address.

Instead of a lot number, metes and bounds identifies land by measured boundaries and directional turns. A contract for deed has to meet this same requirement.

In North Dakota, property tax comes due January 1 following the assessment year. Pay through March 1 without a penalty; pay the entire bill by February 15 and you get a 5% discount.

Proration is why the discount matters at closing: it splits the year's tax bill between buyer and seller based on how long each one owns the home. The median annual tax bill in North Dakota for an owner-occupied home is $2,468, about 0.99% of the median value of homes.