The Washington Closing Cost Calculator estimates the total cash you need to close on a home in Washington, including the state’s 1.280% real-estate transfer tax, lender origination, title, appraisal and prepaid escrow. It shows each line item and the total as a percent of price.
How it works
The calculator sums the typical buyer-side closing costs in Washington:
- Transfer tax (1.280%) — Washington’s real-estate transfer tax, calculated as price * 0.0128.
- Lender origination (~1%) — about 1% of the loan amount.
- Title (~0.5%) — title insurance and settlement, about 0.5% of the price.
- Appraisal — a flat $600 appraisal fee.
- Prepaid escrow — prepaid property taxes and homeowners insurance, estimated around $2,500.
It adds these up and divides by the purchase price to show closing costs as a percent of price.
Example
On a $350,000 Washington home with 20% down (a $280,000 loan): transfer tax at 1.280% is about $4,480, origination at 1% of the loan is about $2,800, title at 0.5% of price is about $1,750, appraisal about $600, and prepaid escrow about $2,500. Total closing costs come to roughly $12,130, or about 3.47% of the price.
Notes
This is an estimate for planning only, not financial, tax or legal advice. Washington’s transfer tax is 1.280% of price; some counties add local recording or deed taxes. Origination, title and prepaid escrow amounts vary by lender and timing. Get an official Loan Estimate from your lender and confirm transfer-tax rules with the Washington Department of Revenue or county recorder before closing.