Closing Cost Calculator for Delaware

Closing Costs in Delaware

Buyers in Delaware typically pay around $2,900 in total closing costs. Delaware charges a 4% real estate transfer tax (split between buyer and seller at 2% each), which is among the higher transfer taxes nationally.

What's Included in Delaware Closing Costs?

• Transfer & recording taxes: Delaware charges a 4% real estate transfer tax (split between buyer and seller at 2% each), which is among the higher transfer taxes nationally.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Delaware transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Delaware typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $340,000 in Delaware, a 10% down payment buyer would borrow around $306,000. The conforming loan limit is $726,200 — All Delaware counties are at the standard conforming limit.

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