Closing Cost Calculator for Montana

Closing Costs in Montana

Buyers in Montana typically pay around $3,200 in total closing costs. Montana has no state transfer tax. Closing costs are primarily driven by title insurance, escrow, and lender fees, which are moderate.

What's Included in Montana Closing Costs?

• Transfer & recording taxes: Montana has no state transfer tax. Closing costs are primarily driven by title insurance, escrow, and lender fees, which are moderate.
• 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 Montana transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Montana typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $385,000 in Montana, a 10% down payment buyer would borrow around $347,000. The conforming loan limit is $726,200 — All Montana counties are at the standard conforming limit.

Closing Cost Calculator for Other States