Closing Cost Calculator for Georgia

Closing Costs in Georgia

Buyers in Georgia typically pay around $3,100 in total closing costs. Georgia charges an intangible recording tax of $1.50/$500 of mortgage amount and a transfer tax of $1/$1,000 of sale price. These add modest but meaningful costs at closing.

What's Included in Georgia Closing Costs?

• Transfer & recording taxes: Georgia charges an intangible recording tax of $1.50/$500 of mortgage amount and a transfer tax of $1/$1,000 of sale price. These add modest but meaningful costs at closing.
• 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 Georgia transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Georgia typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $285,000 in Georgia, a 10% down payment buyer would borrow around $257,000. The conforming loan limit is $726,200 — No Georgia counties currently qualify for high-cost conforming limits, though metro Atlanta values are approaching the threshold.

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