Closing costs in Alabama: about $10,466 on a $500,000 home.

With 20% down, a buyer in Alabama pays $7,083 to $14,655 in closing costs, so $110,466 in all on closing day. An attorney conducts the closing.

What Alabama charges, and where the rule is

Transfer or stamp tax
$0
Deed transfer tax ($1.00 per $1,000) is customarily the seller’s.
Source: Code of Alabama, Title 40, Chapter 22: recordation tax
Taxes on the mortgage
$600
Mortgage recordation tax, paid by the borrower.
Source: Code of Alabama § 40-22-2: mortgage recordation tax
Recording fees
$35–$60
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Lauderdale County Probate Office, Recording costs
Title insurance rates
$1,400–$1,800
The lender’s title policy, priced as a share of the loan. Your title company quotes the exact tier.
Source: Alabama Department of Insurance, Rates and forms

Amounts on the example below. Sources checked October 30, 2026.

Also in Alabama: Taxes run in arrears on an Oct–Sep fiscal year and are often re-prorated once the actual bill lands.

The example, line by line

A $500,000 home with $100,000 down at 6.5%. Change any number; the link you copy keeps them.

Cash to close, typical

Bring about $110,466to close in Alabama, between $107,083 and $114,655.

Down payment: $100,000.00
Closing costs, typical: $10,466.00
Cash to close: $110,466.00
Loan: $400,000.00

What to watch

At 20% down or more there’s no PMI.
The loan fits under the 2026 conforming limit of $832,750.

Closing costs, line by line

Typical, with the low–high range under it.

Origination

Appraisal fee: $735$578–$1,024
Credit report fee: $89$53–$137
Flood certification: $15$10–$25
Processing fee: $495$300–$795
Underwriting fee: $895$500–$1,395
Prepaid interest: $1,068$356–$1,781

Settlement & title

Attorney / closing fee: $900$600–$1,200
Lender’s title insurance: $1,600$1,400–$1,800
Title search & endorsements: $341$184–$604
Notary fee: $150$75–$275
Document delivery / wire fee: $55$25–$95

Third-party

Homeowners insurance (12 months prepaid): $1,750$1,313–$2,363
Insurance escrow (3 months): $438$292–$583
Home inspection: $604$420–$893

Taxes & government

Mortgage recordation tax: $600
Recording fees: $48$35–$60
Property tax escrow: $683$342–$1,025

Closing costs$10,466$7,083–$14,655

An estimate to plan with, not a Loan Estimate. One discount point would add $4,000.

The link keeps your numbers after the #, a part of the address browsers don’t send to any server.

Other states: Arizona, California, Colorado, Florida, Georgia, Louisiana, Michigan, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, Virginia, Washington.

An estimate to plan with, not a Loan Estimate or advice. Fees vary by county, lender and title company; your Loan Estimate has the real figures three business days after you apply.

Down payment and closing costs calculator
Cash to close for a home: the down payment plus closing costs by state, with each fee line, low to high.
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Closing costs in Arizona
What a buyer in Arizona pays at closing, line by line, with the state’s rules.
Closing costs in Washington
What a buyer in Washington pays at closing, line by line, with the state’s rules.

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Closing costs in Alabama: about $10,466 on a $500,000 home.

What Alabama charges, and where the rule is

Transfer or stamp tax

Taxes on the mortgage

Recording fees

Title insurance rates

The example, line by line

Related

Use your real numbers.