Closing costs
Closing costs in District of Columbia
In District of Columbia, an attorney is customarily involved in the closing, and District of Columbia levies a transfer/deed tax of about 1.1%, customarily buyer-paid. recordation ~1.1–1.45% (buyer) + transfer ~1.1–1.45% (seller); first-time-buyer recordation 0.725% ≤ $400k — confirm locally. Here's roughly what you'll pay and what each line is.
How much are closing costs in District of Columbia?
Estimated buyer closing costs in District of Columbia (on top of your down payment), for a single-family home with 10% down and good credit:
| Home price | Estimated closing costs |
|---|---|
| $300,000 | $10,244–$13,794 |
| $400,000 | $12,842–$16,942 |
| $500,000 | $15,440–$20,090 |
Illustrative estimates — a single-family home, conventional loan, 10% down, good credit. Your real figures come from your Loan Estimate and Closing Disclosure.
What's in your closing costs
- Lender fees — loan origination (~0.5–1% of the loan), plus the appraisal.
- Title insurance — a lender's policy (and usually an owner's policy) protecting against title defects.
- Prepaids & escrow — a year of homeowners insurance plus a couple months of property-tax escrow set aside up front.
- Recording & settlement — county recording fees plus the settlement agent (or attorney) who runs the closing.
Who closes, and transfer taxes, in District of Columbia
District of Columbia typically involves an attorney for parts of the closing (such as deed or title work).
District of Columbia levies a transfer/deed tax of about 1.1%, customarily buyer-paid. recordation ~1.1–1.45% (buyer) + transfer ~1.1–1.45% (seller); first-time-buyer recordation 0.725% ≤ $400k — confirm locally
The FHA loan limit in District of Columbia is about $541,287.
Plan for the full cash to close
Closing costs are only part of the cash you'll need. The down payment is the rest. Map your full savings target:
See your real numbers for District of Columbia
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