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.
Virginia Closing Costs Breakdown
Closing costs in Virginia typically range from 2% to 3.5% of the purchase price. For a median-priced home near $417,000, buyers should budget $8,340 to $14,595 at closing. Northern Virginia's proximity to Washington, D.C. pushes home prices and closing costs higher than the state average in Fairfax and Arlington counties.
Transfer Taxes & Fees
Virginia charges a state grantor's tax of $0.50 per $500 of the sale price (0.10%), paid by the seller. Virginia also charges a state recordation tax of $0.25 per $100 of the consideration (0.25%), paid by the buyer. Additionally, counties and cities may charge local recordation taxes of $0.083 to $0.25 per $100. Northern Virginia adds a regional congestion relief fee on top of these rates, making the Washington suburbs among the most expensive closing cost markets in Virginia.
Attorney Requirements
No, Virginia is a title company state, though many buyers retain attorneys especially in Northern Virginia for complex transactions. Licensed title companies and settlement agents conduct closings. Real estate attorneys in Virginia typically charge $400 to $900 for closing representation.
Local Quirks & Need-to-Know
Virginia's Northern Virginia jurisdictions (Fairfax County, Arlington County, Alexandria City, Falls Church City) impose a regional congestion relief fee on real estate transfers, adding approximately 0.15% to buyer closing costs. Additionally, Virginia homeowners should be aware of the Grantor's tax on the seller and the recordation tax on the buyer, which together mean both sides contribute at closing. Property taxes vary widely, with Northern Virginia's high values generating substantial annual tax obligations.