Closing costs in Louisiana: about $10,943 on a $500,000 home.

With 20% down, a buyer in Louisiana pays $7,223 to $15,470 in closing costs, so $110,943 in all on closing day. A notary or attorney conducts the closing.

What Louisiana charges, and where the rule is

Transfer or stamp tax
$0
Louisiana has no state transfer tax.
Source: Orleans Parish Civil Clerk, Documentary transaction tax
Taxes on the mortgage
$0
Louisiana doesn’t tax the mortgage itself.
Source: SmartAsset, Mortgage taxes by state (independent guide)
Recording fees
$150–$400
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Orleans Civil District Court Clerk, Land records fee sheet
Title insurance rates
$1,800–$2,200
The lender’s title policy, priced as a share of the loan. Your title company quotes the exact tier.
Source: NAIC Title Insurance Task Force, 2022 summer meeting (independent guide)

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

Also in Louisiana: A civil-law “act of sale” closing carries a separate notary fee. Title premium is promulgated. Taxes are billed in the fall, due December 31.

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 $110,943to close in Louisiana, between $107,223 and $115,470.

Down payment: $100,000.00
Closing costs, typical: $10,943.00
Cash to close: $110,943.00
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: $1,100$700–$1,500
Lender’s title insurance: $2,000$1,800–$2,200
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

Recording fees: $275$150–$400
Property tax escrow: $933$467–$1,400

Closing costs$10,943$7,223–$15,470

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, Georgia, 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 Michigan
What a buyer in Michigan pays at closing, line by line, with the state’s rules.
Closing costs in Georgia
What a buyer in Georgia pays at closing, line by line, with the state’s rules.

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Closing costs in Louisiana: about $10,943 on a $500,000 home.

What Louisiana 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.