Louisiana closing cost calculator

Louisiana buyers pay no transfer or mortgage tax. The buyer customarily picks the closing attorney and pays for the owner’s title policy.

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

State Closing date

Louisiana: No state transfer 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 $52,082

3.1%closing costs

Purchase price$225,000
Down payment (20%)$45,000
- Loan amount$180,000
Loan costs+$2,500
- Origination and lender feesest.+$1,800
- Appraisalest.+$700
Title and closing+$3,038
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$788
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$2,084
- Property tax credit from the sellerest.−$2,084
Prepaids and escrow+$3,178
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$865
- Property tax escrow (3 months)est.+$563
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$52,082

Estimated monthly payment$1,451

Principal and interest$1,138
Mortgage insurance$0
Property taxes$188
Insurance$125
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 Louisiana purchase, worked out

The calculator opens on $225,000, about the median value of an owner-occupied home in Louisiana ($223,200, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $52,082: $45,000 down and $7,082 in closing costs, 3.1% of the price. Louisiana charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $1,451, with property tax and insurance.

Cash to close on $225,000, 20% down
Down payment	$45,000
Origination and lender feesest.	+$1,800
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$788
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,084
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$865
Property tax escrow (3 months)est.	+$563
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$52,082

Estimates are tagged “est.”; Louisiana’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

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

Price	Louisiana’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$7,297	$57,297	$1,597
$500,000	—	$10,610	$110,610	$3,153
$750,000	—	$14,375	$164,375	$4,730
$1,000,000	—	$18,200	$218,200	$6,307
$2,000,000	—	$33,499	$433,499	$12,613

Buying in Louisiana: what to know

No buyer’s taxes

Louisiana has no buyer-paid transfer or mortgage tax. Buyers pay recording fees only.

No state transfer tax

Louisiana has no state transfer tax, and a 2011 amendment to the state constitution bars any new tax on the sale of real estate. A pre-existing tax in Orleans Parish survives: New Orleans charges a flat $325 documentary transaction tax on each act of sale, paid by the seller.

Title insurance

By Louisiana practice the buyer selects the closing attorney or title agent and pays for the owner’s policy.

Who runs the closing

A Louisiana act of sale is passed before a notary, and residential closings are customarily run by attorney-notaries who also examine title.

Property taxes and escrow

Louisiana taxes the calendar year, with bills going out late in the year and due by December 31, so at a mid-year closing the year is usually unpaid and the seller credits the buyer pro rata. Orleans Parish has historically used a different, early-year due date, so confirm locally.

Local differences

New Orleans (Orleans Parish): a flat $325 documentary transaction tax per act of sale, paid by the seller, with a $500 penalty if it is unpaid within 30 days. Confirm the current amount with the Orleans Parish Civil Clerk.

Buying in Louisiana: questions

What taxes does a buyer pay in Louisiana?

None on the transfer or the loan. Louisiana buyers pay recording fees only.

Who pays for title insurance in Louisiana?

The buyer customarily chooses the closing attorney or title agent and pays for the owner’s policy.

What is an act of sale in Louisiana?

It is the document that transfers the home, signed before a notary at closing. In Louisiana the notary is usually an attorney who also examines the title.

How much are closing costs in Louisiana?

On a $225,000 home with 20% down on a conventional loan, the calculator’s estimates put a Louisiana buyer’s closing costs at about $7,082, or 3.1% of the price, and cash to close at $52,082. Louisiana charges the buyer no state transfer or mortgage tax, though a county or city can. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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