Closing costs
Closing costs in South Carolina
In South Carolina, an attorney is customarily involved in the closing, and South Carolina levies a transfer/deed tax of about 0.37%, customarily seller-paid. $1.85/$500 = state $1.30 + county $0.55 (both statutory → uniform); seller (grantor). S.C. Code §12-24-10. Here's roughly what you'll pay and what each line is.
How much are closing costs in South Carolina?
Estimated buyer closing costs in South Carolina (on top of your down payment), for a single-family home with 10% down and good credit:
| Home price | Estimated closing costs |
|---|---|
| $300,000 | $6,719–$10,269 |
| $400,000 | $8,142–$12,242 |
| $500,000 | $9,565–$14,215 |
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 South Carolina
South Carolina is an attorney-closing state — a real-estate attorney customarily conducts the closing (budget an attorney fee instead of a settlement fee).
South Carolina levies a transfer/deed tax of about 0.37%, customarily seller-paid. $1.85/$500 = state $1.30 + county $0.55 (both statutory → uniform); seller (grantor). S.C. Code §12-24-10
The FHA loan limit in South Carolina 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 South Carolina
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