Closing costs in Ohio: about $12,725 on a $500,000 home.

With 20% down, a buyer in Ohio pays $8,336 to $17,920 in closing costs, so $112,725 in all on closing day. A title or escrow company runs the closing.

What Ohio charges, and where the rule is

Transfer or stamp tax
$0
Conveyance fee of $1–4 per $1,000 varies by county, and who pays it flips between northern and southern Ohio, so it’s worth confirming locally.
Source: Ohio Department of Taxation, Real property conveyance fee
Taxes on the mortgage
$0
Ohio doesn’t tax the mortgage itself.
Source: SmartAsset, Mortgage taxes by state (independent guide)
Recording fees
$80–$150
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Ohio Revised Code § 317.32: recorder fees
Title insurance rates
$1,200–$1,800
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 Ohio: Taxes run a full year in arrears. If you held a title policy on this property in the last 10 years, ask about the reissue-rate discount.

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 $112,725to close in Ohio, between $108,336 and $117,920.

Down payment: $100,000.00
Closing costs, typical: $12,725.00
Cash to close: $112,725.00
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

Settlement / closing fee: $650$400–$900
Lender’s title insurance: $1,500$1,200–$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

Recording fees: $115$80–$150
Property tax escrow: $3,825$2,550–$5,100

Closing costs$12,725$8,336–$17,920

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, North Carolina, 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 Oklahoma
What a buyer in Oklahoma pays at closing, line by line, with the state’s rules.
Closing costs in North Carolina
What a buyer in North Carolina pays at closing, line by line, with the state’s rules.

Free to start

Use your real numbers.

RichDue sets your house fund to the cash to close in Ohio and shows the month you’ll have it, from your pay, your bonus and what you already save.

Use your real numbers

Free to start, no card. Try Pro free for 7 days when you want the year ahead.

Closing costs in Ohio: about $12,725 on a $500,000 home.

What Ohio 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.