Delaware closing cost calculator

Delaware buyers pay half of the transfer tax, usually about 2% of the price, though first-time buyers get a break on their share. There’s no mortgage tax.

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

State Closing date

Delaware: Realty transfer tax: 4% of the price, and buyer and seller usually split it. Owner’s title is usually paid by the buyer. An attorney usually handles the closing.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $93,835

5.4%closing costs

Purchase price$370,000
Down payment (20%)$74,000
- Loan amount$296,000
Loan costs+$3,660
- Origination and lender feesest.+$2,960
- Appraisalest.+$700
Title and closing+$3,545
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,295
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes+$7,674
- Realty transfer tax (half)+$7,400
- Property taxes the seller prepaidest.+$274
Prepaids and escrow+$4,506
- Homeowner’s insurance, first yearest.+$1,850
- Prepaid interest (27 days)est.+$1,423
- Property tax escrow (3 months)est.+$925
- Insurance escrow (2 months)est.+$308
Other costs+$450
- Home inspectionest.+$450
Cash to close$93,835

Estimated monthly payment$2,333

Principal and interest$1,871
Mortgage insurance$0
Property taxes$308
Insurance$154
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 Delaware purchase, worked out

The calculator opens on $370,000, about the median value of an owner-occupied home in Delaware ($371,600, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $93,835: $74,000 down and $19,835 in closing costs, 5.4% of the price. Delaware’s taxes on the buyer come to $7,400 of that: realty transfer tax (half) $7,400. The monthly payment comes to about $2,333, with property tax and insurance.

Cash to close on $370,000, 20% down
Down payment	$74,000
Origination and lender feesest.	+$2,960
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,295
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Realty transfer tax (half)	+$7,400
Property taxes the seller prepaidest.	+$274
Homeowner’s insurance, first yearest.	+$1,850
Prepaid interest (27 days)est.	+$1,423
Property tax escrow (3 months)est.	+$925
Insurance escrow (2 months)est.	+$308
Home inspectionest.	+$450
Cash to close	$93,835

Estimates are tagged “est.”; Delaware’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

Delaware has no state tax of its own on the buyer. The buyer usually pays half the realty transfer tax. Each row has 20% down on a conventional loan.

Price	Delaware’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$5,000	$14,797	$64,797	$1,597
$500,000	$10,000	$25,610	$125,610	$3,153
$750,000	$15,000	$36,875	$186,875	$4,730
$1,000,000	$20,000	$48,200	$248,200	$6,307
$2,000,000	$40,000	$93,499	$493,499	$12,613

Buying in Delaware: what to know

No buyer’s taxes

Delaware has no mortgage tax. The buyer’s main tax is their half of the transfer tax. First-time buyers pay less: their share of the state tax drops by 0.5% of the price on up to $400,000, and counties exempt first-time buyers on at least the first $400,000. The seller’s half stays the same.

Realty transfer tax

Delaware’s realty transfer tax is usually 4% in total: 2.5% to the state plus 1.5% to the county or town. Where a locality levies less than 1.5%, the state rate is 3% instead. By law it is split equally between seller and buyer, so on a $400,000 sale each side pays about $8,000.

Title insurance

The buyer customarily pays for the owner’s policy in Delaware. Confirm with your settlement attorney.

Who runs the closing

Delaware requires a Delaware-licensed attorney to conduct or supervise real estate closings.

Property taxes and escrow

Delaware county and school taxes run July 1 to June 30. The annual bill goes out in summer and is due September 30, so taxes are paid in advance and the seller is usually credited for the unused part of the year. Some towns bill separately on their own schedule.

Buying in Delaware: questions

How much transfer tax does a buyer pay in Delaware?

Usually half of 4%, or about 2% of the price. On a $400,000 home that is roughly $8,000, less any first-time buyer relief.

Is there a first-time homebuyer transfer tax exemption in Delaware?

Yes. A first-time buyer’s share of the state tax drops by 0.5% of the price on up to $400,000, and counties exempt first-time buyers on at least the first $400,000. It lowers only the buyer’s half.

When are property taxes paid in Delaware?

Delaware’s annual county and school tax bill is due September 30 for the July-to-June year, so it is paid in advance. Buyers usually reimburse the seller at closing for the months after the sale.

How much are closing costs in Delaware?

On a $370,000 home with 20% down on a conventional loan, the calculator’s estimates put a Delaware buyer’s closing costs at about $19,835, or 5.4% of the price, and cash to close at $93,835. Delaware’s taxes on the buyer come to $7,400 of that: realty transfer tax (half) $7,400. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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