Closing costs in Virginia: about $13,457 on a $500,000 home.

With 20% down, a buyer in Virginia pays $9,603 to $18,117 in closing costs, so $113,457 in all on closing day. Either an attorney or a title company can run the closing.

What Virginia charges, and where the rule is

Transfer or stamp tax
$1,665
The buyer’s share is in the estimate. The grantor’s tax is the seller’s. The buyer pays state recordation tax of $0.25 per $100 on both the deed and the deed of trust, and localities add roughly a third more.
Source: Code of Virginia § 58.1-802: grantor’s tax
Taxes on the mortgage
$1,332
Recordation tax on the deed of trust, paid by the borrower.
Source: Code of Virginia, Title 58.1, Chapter 8: recordation tax
Recording fees
$75–$175
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Virginia’s Judicial System, Circuit court deed fee schedule
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: Code of Virginia § 38.2-4608: title insurance rates

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

Also in Virginia: No single statewide proration convention: the locality sets it, and many bill semiannually.

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 $113,457to close in Virginia, between $109,603 and $118,117.

Down payment: $100,000.00
Closing costs, typical: $13,457.00
Cash to close: $113,457.00
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: $750$500–$1,000
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

Transfer / stamp tax (your share): $1,665
Recordation tax on the deed of trust: $1,332
Recording fees: $125$75–$175
Property tax escrow: $1,450$725–$2,175

Closing costs$13,457$9,603–$18,117

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, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Texas, 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 Washington
What a buyer in Washington pays at closing, line by line, with the state’s rules.
Closing costs in Texas
What a buyer in Texas pays at closing, line by line, with the state’s rules.

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Closing costs in Virginia: about $13,457 on a $500,000 home.

What Virginia 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.