Closing costs in Georgia: about $12,023 on a $500,000 home.

With 20% down, a buyer in Georgia pays $7,981 to $16,870 in closing costs, so $112,023 in all on closing day. An attorney conducts the closing.

What Georgia charges, and where the rule is

Transfer or stamp tax
$0
Transfer tax ($1.00 per $1,000) is the seller’s. The buyer pays intangible recording tax of $1.50 per $500 of the note, capped at $25,000.
Source: Georgia Department of Revenue, Real estate transfer tax
Taxes on the mortgage
$1,200
Intangible recording tax, paid by the borrower.
Source: Georgia Rules 560-11-8: intangible recording tax
Recording fees
$25–$50
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Chatham County Clerk of Superior Court, Real estate fees
Title insurance rates
$1,200–$2,000
The lender’s title policy, priced as a share of the loan. Your title company quotes the exact tier.
Source: Seyfarth Shaw, Georgia’s filed title insurance rates (independent guide)

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

Also in Georgia: Closings are attorney-conducted by statute, so that fee is a required cost, not an optional convenience. Bills usually issue in the fall.

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 $112,023to close in Georgia, between $107,981 and $116,870.

Down payment: $100,000.00
Closing costs, typical: $12,023.00
Cash to close: $112,023.00
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: $1,050$700–$1,400
Lender’s title insurance: $1,600$1,200–$2,000
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

Intangible recording tax: $1,200
Recording fees: $38$25–$50
Property tax escrow: $1,500$750–$2,250

Closing costs$12,023$7,981–$16,870

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: Alabama, Arizona, California, Colorado, Florida, 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.
How much house can I afford
The highest price your income carries at a lender’s debt-to-income line, with your DTI at that price.
Closing costs in Louisiana
What a buyer in Louisiana pays at closing, line by line, with the state’s rules.
Closing costs in Florida
What a buyer in Florida pays at closing, line by line, with the state’s rules.

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Closing costs in Georgia: about $12,023 on a $500,000 home.

What Georgia 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.