Estimate Your Closing Costs
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Disclaimer: These are estimates only. Actual closing costs vary by lender, title company, state/county, and closing date. Your Loan Estimate (TRID) is the source of truth.
Georgia Closing Costs Breakdown
Closing costs in Georgia typically run between 2% and 4% of the purchase price. For a median-priced home around $375,000, buyers can expect to bring $7,500 to $15,000 to the closing table, with transfer taxes and mandatory attorney fees contributing significantly to that range.
Transfer Taxes & Fees
Georgia charges an intangible recording tax of $1.50 per $500 of the loan amount (0.3%) paid by the buyer, plus a deed transfer tax of $1 per $1,000 of the purchase price (0.1%) typically paid by the seller. Buyers should also budget for the intangible tax on the mortgage itself, which is one of Georgia's most distinctive closing cost line items.
Attorney Requirements
Yes, Georgia is an attorney-closing state. A licensed Georgia real estate attorney must be present at closing to conduct the title examination and oversee the settlement. Attorney fees typically range from $800 to $1,200 and are paid by the buyer.
Local Quirks & Need-to-Know
Georgia's intangible recording tax on mortgage loans catches many buyers off guard. At $1.50 per $500 of the loan, a $300,000 mortgage generates a $900 intangible tax. Property taxes are paid in arrears, so buyers typically receive a prorated seller credit at closing. Fulton and DeKalb counties have higher recording fees than most Georgia counties.