Closing Cost Calculator for Indiana

Closing Costs in Indiana

Buyers in Indiana typically pay around $2,400 in total closing costs. Indiana has very low closing costs with minimal transfer taxes and recording fees. The state does not impose a mortgage recording tax.

What's Included in Indiana Closing Costs?

• Transfer & recording taxes: Indiana has very low closing costs with minimal transfer taxes and recording fees. The state does not impose a mortgage recording tax.
• 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 Indiana transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Indiana typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $230,000 in Indiana, a 10% down payment buyer would borrow around $207,000. The conforming loan limit is $726,200 — All Indiana counties are at the standard conforming limit.

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