Closing Cost Calculator for Oregon

Closing Costs in Oregon

Buyers in Oregon typically pay around $3,100 in total closing costs. Oregon has no transfer tax, keeping closing costs reasonable. Title insurance and escrow fees are the primary components.

What's Included in Oregon Closing Costs?

• Transfer & recording taxes: Oregon has no transfer tax, keeping closing costs reasonable. Title insurance and escrow fees are the primary components.
• 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 Oregon transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Oregon typically uses attorneys to close real estate transactions.

Home Values & Loan Context

With a median home value of $425,000 in Oregon, a 10% down payment buyer would borrow around $383,000. The conforming loan limit is $726,200 — All Oregon counties are at the standard conforming limit.

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