Closing Cost Calculator for Ohio

Closing Costs in Ohio

Buyers in Ohio typically pay around $3,200 in total closing costs. Ohio has a conveyance fee of $1/$1,000 of value at the state level, plus optional county charges. The mortgage recording fee and title insurance are the primary variables.

What's Included in Ohio Closing Costs?

• Transfer & recording taxes: Ohio has a conveyance fee of $1/$1,000 of value at the state level, plus optional county charges. The mortgage recording fee and title insurance are the primary variables.
• 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 Ohio transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Ohio typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $225,000 in Ohio, a 10% down payment buyer would borrow around $203,000. The conforming loan limit is $726,200 — All Ohio counties are at the standard conforming limit.

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