Closing costs in North Carolina: about $10,198 on a $500,000 home.

With 20% down, a buyer in North Carolina pays $6,463 to $14,740 in closing costs, so $110,198 in all on closing day. An attorney conducts the closing.

What North Carolina charges, and where the rule is

Transfer or stamp tax
$0
Excise tax of $1.00 per $500 (about 0.2%) is the seller’s.
Source: N.C.G.S. § 105-228.30: excise tax on conveyances
Taxes on the mortgage
$0
North Carolina doesn’t tax the mortgage itself.
Source: SmartAsset, Mortgage taxes by state (independent guide)
Recording fees
$90–$170
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: N.C.G.S. § 161-10: register of deeds fees
Title insurance rates
$1,000–$1,400
The lender’s title policy, priced as a share of the loan. Your title company quotes the exact tier.
Source: Investors Title, North Carolina rate change summary (October 2025) (independent guide)

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

Also in North Carolina: Attorney-conducted closings. Title rates are filed. Standard calendar-year tax billing.

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 $110,198to close in North Carolina, between $106,463 and $114,740.

Down payment: $100,000.00
Closing costs, typical: $10,198.00
Cash to close: $110,198.00
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: $1,200$1,000–$1,400
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: $130$90–$170
Property tax escrow: $1,333$667–$2,000

Closing costs$10,198$6,463–$14,740

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

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Closing costs in North Carolina: about $10,198 on a $500,000 home.

What North Carolina 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.