Alaska closing cost calculator

Alaska buyers pay no transfer or mortgage tax, only flat recording fees. Property tax is local, so the bill and due dates depend on the borough.

Alaska’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Alaska: No state transfer tax. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $81,595

1.8%closing costs

Purchase price$375,000
Down payment (20%)$75,000
- Loan amount$300,000
Loan costs+$3,700
- Origination and lender feesest.+$3,000
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$3,473
- Property tax credit from the sellerest.−$3,473
Prepaids and escrow+$4,568
- Homeowner’s insurance, first yearest.+$1,875
- Prepaid interest (27 days)est.+$1,442
- Property tax escrow (3 months)est.+$938
- Insurance escrow (2 months)est.+$313
Other costs+$450
- Home inspectionest.+$450
Cash to close$81,595

Estimated monthly payment$2,365

Principal and interest$1,896
Mortgage insurance$0
Property taxes$313
Insurance$156
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Alaska purchase, worked out

The calculator opens on $375,000, about the median value of an owner-occupied home in Alaska ($376,500, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $81,595: $75,000 down and $6,595 in closing costs, 1.8% of the price. Alaska charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $2,365, with property tax and insurance.

Cash to close on $375,000, 20% down
Down payment	$75,000
Origination and lender feesest.	+$3,000
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$3,473
Homeowner’s insurance, first yearest.	+$1,875
Prepaid interest (27 days)est.	+$1,442
Property tax escrow (3 months)est.	+$938
Insurance escrow (2 months)est.	+$313
Home inspectionest.	+$450
Cash to close	$81,595

Estimates are tagged “est.”; Alaska’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Alaska has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Alaska’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$5,522	$55,522	$1,597
$500,000	—	$7,960	$107,960	$3,153
$750,000	—	$10,850	$160,850	$4,730
$1,000,000	—	$13,800	$213,800	$6,307
$2,000,000	—	$25,599	$425,599	$12,613

Buying in Alaska: what to know

No buyer’s taxes

Alaska has no buyer-paid transfer, mortgage or recording tax. Buyers pay only the flat recording fees.

No state transfer tax

Alaska has no state or local real estate transfer tax. The only government charge to record a deed is a flat fee at the state Recorder’s Office: $20 for the first page and $5 for each additional page.

Title insurance

By common Alaska custom the seller pays for the owner’s title policy and the buyer pays for the lender’s policy. It is negotiable, so confirm with your title company and the contract.

Who runs the closing

Alaska doesn’t require an attorney at closing. Title and escrow companies handle closings.

Property taxes and escrow

Alaska has no statewide property tax; boroughs and cities levy their own. Anchorage bills the current calendar year in two halves, due June 30 and August 31, while other boroughs set their own dates, so the proration depends on what has been paid by closing day.

Buying in Alaska: questions

What taxes does a buyer pay at closing in Alaska?

None beyond recording fees. Alaska has no transfer tax and no mortgage tax, so the buyer’s government charges are the flat fees to record the deed and mortgage.

Is there a property tax in Alaska?

Not at the state level. Boroughs and cities levy property tax, and each sets its own rates and due dates, so check with the local assessor where you’re buying.

Who handles a closing in Alaska?

Title and escrow companies close most Alaska sales. An attorney isn’t required.

How much are closing costs in Alaska?

On a $375,000 home with 20% down on a conventional loan, the calculator’s estimates put a Alaska buyer’s closing costs at about $6,595, or 1.8% of the price, and cash to close at $81,595. Alaska charges the buyer no state transfer or mortgage tax. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.