Closing Cost Calculator for North Carolina

Closing Costs in North Carolina

Buyers in North Carolina typically pay around $2,800 in total closing costs. North Carolina has a modest revenue stamps tax ($1/$500 of sale price). Overall closing costs are below national average, part of the state's appeal for in-migration.

What's Included in North Carolina Closing Costs?

• Transfer & recording taxes: North Carolina has a modest revenue stamps tax ($1/$500 of sale price). Overall closing costs are below national average, part of the state's appeal for in-migration.
• 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 North Carolina transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: North Carolina typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $300,000 in North Carolina, a 10% down payment buyer would borrow around $270,000. The conforming loan limit is $726,200 — All North Carolina counties are at the standard conforming limit.

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