Closing costs in Washington: about $11,032 on a $500,000 home.

With 20% down, a buyer in Washington pays $7,089 to $15,780 in closing costs, so $111,032 in all on closing day. An escrow company runs the closing.

What Washington charges, and where the rule is

Transfer or stamp tax
$0
Graduated REET (1.10% / 1.28% / 2.75% / 3.00% by price tier, plus a local add-on) is the seller’s.
Source: Washington Department of Revenue, Real estate excise tax
Taxes on the mortgage
$0
Washington doesn’t tax the mortgage itself.
Source: SmartAsset, Mortgage taxes by state (independent guide)
Recording fees
$400–$460
Filing the deed and the mortgage with the county: a flat or per-page fee, so a narrow range.
Source: Clark County Auditor, Recording 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: RCW 48.29.147: title insurance rate filing

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

Also in Washington: Taxes are billed for the current year in April and October, not in arrears, unlike most states.

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 $111,032to close in Washington, between $107,089 and $115,780.

Down payment: $100,000.00
Closing costs, typical: $11,032.00
Cash to close: $111,032.00
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: $900$600–$1,200
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: $430$400–$460
Property tax escrow: $1,567$783–$2,350

Closing costs$11,032$7,089–$15,780

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, Virginia.

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 Alabama
What a buyer in Alabama pays at closing, line by line, with the state’s rules.
Closing costs in Virginia
What a buyer in Virginia 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 Washington 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 Washington: about $11,032 on a $500,000 home.

What Washington 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.