Delaware · DE
Delaware Closing Cost Calculator
Estimate what a buyer pays to close in Delaware — transfer tax, title insurance, lender, attorney, and recording fees — on any home price.
Closing costs in Delaware, explained
Delaware's realty transfer tax is 4% of the price total (2.5% state + 1.5% county), customarily split so the buyer pays 2%. First-time buyers get a 0.5% reduction on their share, applied to the first $400,000 (capped at $2,000 saved), which drops the buyer's effective rate to about 1.5%.
Beyond the transfer tax, expect lender origination (around 1% of the loan), title insurance (roughly 0.6% of price), an appraisal, a home inspection, recording fees, and a settlement/attorney fee. Delaware law requires a licensed Delaware attorney to conduct the closing. Flat settlement fees commonly run $750–$1,250.
All in, buyer closing costs in Delaware usually land around 3%–6% of the price — about $10,800–$21,600 on the $360,000 median home.
Delaware closing-cost FAQ
- How much are closing costs in Delaware?
- Buyer closing costs in Delaware typically run about 3%–6% of the purchase price — roughly $10,800–$21,600 on the $360,000 median home. The single biggest line is usually the transfer tax. Use the calculator above to break it down for your price.
- What is the transfer tax in Delaware?
- Delaware's realty transfer tax is 4% of the price total (2.5% state + 1.5% county), customarily split so the buyer pays 2%. First-time buyers get a 0.5% reduction on their share, applied to the first $400,000 (capped at $2,000 saved), which drops the buyer's effective rate to about 1.5%.
- Do I need an attorney to close in Delaware?
- Delaware law requires a licensed Delaware attorney to conduct the closing. Flat settlement fees commonly run $750–$1,250.
- Are property taxes part of closing costs in Delaware?
- Not exactly — but you do prepay some at closing. Lenders collect a property-tax reserve (plus a year of homeowners insurance and prepaid interest) into an escrow account. Delaware has among the lowest property taxes in the US — roughly 0.5%–0.6% of value statewide. See our Delaware property tax calculator to estimate the ongoing amount.
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Estimates are for education only and are not a quote. Confirm exact figures with your lender, title company, and settlement attorney.