Closing Cost Calculator for North Dakota

Closing Costs in North Dakota

Buyers in North Dakota typically pay around $2,400 in total closing costs. North Dakota has minimal transfer taxes. Closing costs are among the lower in the northern plains.

What's Included in North Dakota Closing Costs?

• Transfer & recording taxes: North Dakota has minimal transfer taxes. Closing costs are among the lower in the northern plains.
• 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 Dakota transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: North Dakota typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $235,000 in North Dakota, a 10% down payment buyer would borrow around $212,000. The conforming loan limit is $726,200 — All North Dakota counties are at the standard conforming limit.

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