Closing Costs by State and Fee Type (2026)
Every fee on your Closing Disclosure benchmarked against real state data. Choose your state to see what's normal — or pick a fee type to understand what it covers, when it's negotiable, and the red flags that signal overcharging.
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Closing costs by state
Select your state to see average costs and a fee-by-fee breakdown.
Closing costs by fee type
Learn what each fee covers, whether it's negotiable, and the signs it's inflated on your Closing Disclosure.
Origination Fee
Negotiable · Section A
Processing Fee
Negotiable · Section A
Underwriting Fee
Negotiable · Section A
Title Insurance
Negotiable · Section C
Appraisal Fee
Non-negotiable · Section B
Recording Fee
Non-negotiable · Section E
Transfer Tax
Non-negotiable · Section E
Attorney Fee
Negotiable · Section C
Courier Fee
Negotiable · Section H
Credit Report Fee
Non-negotiable · Section B
Flood Certification Fee
Non-negotiable · Section B
Tax Service Fee
Non-negotiable · Section B
Wire Transfer Fee
Negotiable · Section H
Document Preparation Fee
Negotiable · Section A
Is your fee normal?
Quick-reference guides for the most common fee questions homebuyers ask.
Is My Origination Fee Normal?
Learn what a normal mortgage origination fee looks like, when it's too high, and how to negotiate it down on your Closing Disclosure.
Is My Processing Fee Normal?
Processing fees on your Closing Disclosure may be duplicative junk fees. Learn what's normal and when to push back.
Is My Underwriting Fee Normal?
Underwriting fees typically run $300-$900. Learn when this is justified and when it's a junk fee on your Closing Disclosure.
Is Your Origination Fee Too High?
If your origination fee exceeds 1% of the loan amount, it may be inflated. Learn the benchmarks and how to negotiate it down.
Is Your Title Insurance Too High?
Title insurance costs vary dramatically by state. Compare your Closing Disclosure to actual state benchmarks to see if you're overpaying.
Is Your Document Preparation Fee Too High?
Document prep fees are one of the most common junk fees on Closing Disclosures. Learn what's normal and how to get it removed.
Closing cost guides
You have 3 days to review your Closing Disclosure.
Federal law gives you 72 hours to push back before you sign. Every fee is cross-referenced against state benchmarks and the negotiation email is drafted for you.
Most buyers find $1,500–$3,000 in negotiable fees.
From $29 · Results in 60 seconds