Estimate Your Closing Costs

Home Purchase Price

* Down Payment

Interest Rate

State

Monthly Property Tax

Monthly Home Insurance

Estimated Closing Date (optional)

* Loan Type

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Origination Fee (% of loan)

Discount Points (% of loan)

Appraisal ($)

Title + Settlement ($)

Title Search ($)

Recording Fees ($)

Transfer Tax ($ buyer portion)

Escrow: tax months (initial)

Escrow: insurance months (initial)

RESPA cushion (months)

Estimated Cash Needed at Closing

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Closing costs (estimate): —
Down payment: —

Origination Fee

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Discount Points

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Appraisal

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Title Insurance

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Title Search

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Transfer Tax

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Recording Fees

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Prepaid Interest

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12-Month Home Insurance (Upfront)

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Initial Escrow Deposit

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RESPA Escrow Cushion

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Financed Program Fee (if any)

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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.

Ohio Closing Costs Breakdown

Closing costs in Ohio typically range from 2% to 3.5% of the purchase price. For a median-priced home near $246,000, buyers should budget $4,920 to $8,610 at closing. Ohio has a modest transfer tax, and its affordable home prices make it one of the lowest-cost states for absolute closing expenses.

Transfer Taxes & Fees

Ohio charges a conveyance fee (real property conveyance fee) of $1 per $1,000 of the sale price at the state level, plus an additional $0.50 to $3 per $1,000 at the county level, depending on the county. The seller traditionally pays this fee. Most Ohio counties charge a combined rate of $1 to $4 per $1,000 (0.1% to 0.4%) on the sale price.

Attorney Requirements

No, Ohio is a title company state. Licensed title companies and escrow agents conduct real estate closings. Buyers are not required to hire a real estate attorney, though Ohio's major metro areas including Columbus, Cleveland, and Cincinnati have a tradition of attorneys reviewing purchase contracts on the buyer's behalf even if not attending closing.

Local Quirks & Need-to-Know

Ohio property taxes are among the highest in the Midwest as a percentage of home value, often running 1.5% to 2.5% annually. These taxes are billed and paid in arrears, so buyers receive a prorated credit from the seller at closing. Ohio also has a unique CAUV (Current Agricultural Use Valuation) system for farm property that can affect taxes significantly if use changes after purchase.

Frequently Asked Questions in Ohio

Who pays the conveyance fee in Ohio? +

In Ohio, the real property conveyance fee is traditionally paid by the seller. The combined state and county rate varies by county but generally falls between $1 and $4 per $1,000 of the sale price. On a $246,000 home in a county with a $3 per $1,000 rate, the seller pays $738 in conveyance fees.

Why are Ohio property taxes so high? +

Ohio funds a large share of local government services and public schools through property taxes, resulting in effective rates of 1.5% to 2.5% in many counties. On a $246,000 home, annual taxes may be $3,700 to $6,150. Taxes are paid in arrears, so lenders collect two to three months at closing to seed the escrow account. Ohio's low home prices partially offset the high tax rates in terms of absolute dollar burden.

What is a home buyer inspection credit in Ohio? +

Ohio purchase agreements routinely include inspection contingencies, and after inspections, buyers often negotiate a seller credit to address deficiencies rather than requiring repairs. This credit reduces your net closing costs or purchase price. Credits of $1,000 to $5,000 are common in Ohio's older housing stock, particularly in Cleveland and Columbus suburbs.

Closing Cost Calculator in Ohio

Estimate Your Closing Costs

Ohio Closing Costs Breakdown

Transfer Taxes & Fees

Attorney Requirements

Local Quirks & Need-to-Know

Frequently Asked Questions in Ohio

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