Closing Cost Calculator for Vermont

Closing Costs in Vermont

Buyers in Vermont typically pay around $3,800 in total closing costs. Vermont charges a property transfer tax of 1.25% of purchase price for properties over $100,000 (0.5% for the first $100,000). Principal residence rates are discounted. Overall closing costs are moderate for the Northeast.

What's Included in Vermont Closing Costs?

• Transfer & recording taxes: Vermont charges a property transfer tax of 1.25% of purchase price for properties over $100,000 (0.5% for the first $100,000). Principal residence rates are discounted. Overall closing costs are moderate for the Northeast.
• 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 Vermont transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Vermont typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $375,000 in Vermont, a 10% down payment buyer would borrow around $338,000. The conforming loan limit is $726,200 — All Vermont counties are at the standard conforming limit.

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