Buyer tool
Buyer Closing Cost Estimator
Buyer closing costs in Washington typically run 2.0–2.5% of the purchase price. This breaks them out by line item so there are no surprises at signing.
Estimate only. Actual fees depend on your lender, title company, county, and closing date. Your loan estimate from the lender (within 3 days of application) is the authoritative source.
What's actually in your closing costs
Lender / loan
- Origination fee (0.5–1% of loan) — the lender's fee for processing the loan.
- Appraisal ($700 typical) — required by the lender to confirm value.
- Credit + underwriting ($700 typical) — lender's underwriting and credit pull.
- Prepaid interest — daily interest from closing date to your first payment.
Title / escrow
- Lender's title insurance (~$500) — required by your lender, smaller policy.
- Escrow / settlement fee — split with the seller in WA custom; buyer pays roughly half (~$800–$1,200).
- Recording ($250) — King / Snohomish / Pierce county recording fees.
- Owner's title insurance — by Washington custom this is paid by the seller (about 0.4% of price). Not in your buyer total.
Prepaids
Lenders typically require 2 months of property tax and 12 months of homeowners insurance to be deposited into escrow at closing. These aren't a "fee" — they're prepayment of things you'd owe anyway.
Inspections
You pay inspection vendors directly outside of closing. Common in Greater Seattle: general inspection ($550–$750), sewer scope ($150–$250), pest/wood-destroying organism ($100–$200).
Don't forget the buyer rebate
If you're buying with us, the seller-offered commission minus our capped fee comes back to you as a rebate at closing — and most lenders allow it to be applied to these closing costs. Check the Buyer Rebate Calculator.