Closing costs
Closing costs in Maine
In Maine, an attorney is customarily involved in the closing, and Maine levies a transfer/deed tax of about 0.44%, customarily split-paid. $2.20/$500, uniform, split ½/½; +$3.80/$500 surcharge on value over $1M (eff. 2025-11-01). 36 M.R.S. §4641-A. Here's roughly what you'll pay and what each line is.
How much are closing costs in Maine?
Estimated buyer closing costs in Maine (on top of your down payment), for a single-family home with 10% down and good credit:
| Home price | Estimated closing costs |
|---|---|
| $300,000 | $7,612–$11,162 |
| $400,000 | $9,332–$13,432 |
| $500,000 | $11,053–$15,703 |
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 Maine
Maine typically involves an attorney for parts of the closing (such as deed or title work).
Maine levies a transfer/deed tax of about 0.44%, customarily split-paid. $2.20/$500, uniform, split ½/½; +$3.80/$500 surcharge on value over $1M (eff. 2025-11-01). 36 M.R.S. §4641-A
The FHA loan limit in Maine 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 Maine
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