Georgia closing cost calculator

Georgia buyers who finance pay an intangible recording tax of 0.3% of the loan, capped at $25,000. The buyer customarily pays for the owner’s title policy, and an attorney runs the closing.

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

State Closing date

Georgia: Real estate transfer tax: 0.1% of the price, and the seller usually pays it. Buyers also pay intangible recording tax. 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 $78,204

2.7%closing costs

Purchase price$345,000
Down payment (20%)$69,000
- Loan amount$276,000
Loan costs+$3,460
- Origination and lender feesest.+$2,760
- Appraisalest.+$700
Title and closing+$3,458
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,208
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$2,367
- Intangible recording tax+$828
- Property tax credit from the sellerest.−$3,195
Prepaids and escrow+$4,203
- Homeowner’s insurance, first yearest.+$1,725
- Prepaid interest (27 days)est.+$1,327
- Property tax escrow (3 months)est.+$863
- Insurance escrow (2 months)est.+$288
Other costs+$450
- Home inspectionest.+$450
Cash to close$78,204

Estimated monthly payment$2,177

Principal and interest$1,745
Mortgage insurance$0
Property taxes$288
Insurance$144
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 Georgia purchase, worked out

The calculator opens on $345,000, about the median value of an owner-occupied home in Georgia ($343,300, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $78,204: $69,000 down and $9,204 in closing costs, 2.7% of the price. Georgia’s taxes on the buyer come to $828 of that: intangible recording tax $828. The monthly payment comes to about $2,177, with property tax and insurance.

Cash to close on $345,000, 20% down
Down payment	$69,000
Origination and lender feesest.	+$2,760
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,208
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Intangible recording tax	+$828
Property tax credit from the sellerest.	−$3,195
Homeowner’s insurance, first yearest.	+$1,725
Prepaid interest (27 days)est.	+$1,327
Property tax escrow (3 months)est.	+$863
Insurance escrow (2 months)est.	+$288
Home inspectionest.	+$450
Cash to close	$78,204

Estimates are tagged “est.”; Georgia’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

Georgia’s buyer taxes: the intangible recording tax (0.3% of the loan, capped at $25,000). Each row has 20% down on a conventional loan.

Price	Georgia’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$600	$7,897	$57,897	$1,597
$500,000	$1,200	$11,810	$111,810	$3,153
$750,000	$1,800	$16,175	$166,175	$4,730
$1,000,000	$2,400	$20,600	$220,600	$6,307
$2,000,000	$4,800	$38,299	$438,299	$12,613

Buying in Georgia: what to know

Taxes buyers pay

Georgia’s intangible recording tax on a purchase loan is $1.50 per $500 of the loan (0.3%), up to a $25,000 maximum. The lender pays it at recording but can pass it on, and the buyer usually pays it at closing: $960 on a $320,000 loan.

Real estate transfer tax

Georgia’s transfer tax is $1 for the first $1,000 of the price and 10 cents for each $100 after that, or 0.1%, so $400 on a $400,000 sale. Georgia’s Department of Revenue puts it on the seller, though contracts sometimes shift it to the buyer. It is paid before recording using Form PT-61, and there are no county or city transfer taxes.

Title insurance

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

Who runs the closing

Georgia requires an attorney: the Georgia Supreme Court holds that a non-lawyer conducting a residential closing is practicing law without a license. The closing attorney is usually engaged by the lender or buyer.

Property taxes and escrow

Georgia taxes the calendar year based on who owns the property on January 1. Bills usually go out in late summer or fall and are due by December 20 unless the county sets an earlier date or installments. At a mid-year closing the year is usually unpaid, so the seller credits the buyer from January 1 to closing.

Buying in Georgia: questions

What is the intangible tax in Georgia?

Georgia’s intangible recording tax is $1.50 per $500 of a long-term loan (0.3%), capped at $25,000. The buyer usually pays it at closing, $960 on a $320,000 loan.

Who pays for title insurance in Georgia?

The buyer customarily pays for the owner’s policy in Georgia, along with the lender’s policy.

Who chooses the closing attorney in Georgia?

Georgia closings must be run by an attorney, and the attorney is usually engaged by the lender or the buyer.

How much are closing costs in Georgia?

On a $345,000 home with 20% down on a conventional loan, the calculator’s estimates put a Georgia buyer’s closing costs at about $9,204, or 2.7% of the price, and cash to close at $78,204. Georgia’s taxes on the buyer come to $828 of that: intangible recording tax $828. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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