North Carolina closing cost calculator

North Carolina buyers pay no transfer or mortgage tax. The buyer’s attorney usually runs the closing, and the buyer customarily pays for the owner’s title policy.

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

State Closing date

North Carolina: Excise tax: 0.2% of the price, and the seller usually pays 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 $75,232

2.5%closing costs

Purchase price$335,000
Down payment (20%)$67,000
- Loan amount$268,000
Loan costs+$3,380
- Origination and lender feesest.+$2,680
- Appraisalest.+$700
Title and closing+$3,423
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,173
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$3,102
- Property tax credit from the sellerest.−$3,102
Prepaids and escrow+$4,081
- Homeowner’s insurance, first yearest.+$1,675
- Prepaid interest (27 days)est.+$1,289
- Property tax escrow (3 months)est.+$838
- Insurance escrow (2 months)est.+$279
Other costs+$450
- Home inspectionest.+$450
Cash to close$75,232

Estimated monthly payment$2,113

Principal and interest$1,694
Mortgage insurance$0
Property taxes$279
Insurance$140
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 North Carolina purchase, worked out

The calculator opens on $335,000, about the median value of an owner-occupied home in North Carolina ($333,000, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $75,232: $67,000 down and $8,232 in closing costs, 2.5% of the price. North Carolina charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $2,113, with property tax and insurance.

Cash to close on $335,000, 20% down
Down payment	$67,000
Origination and lender feesest.	+$2,680
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,173
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property tax credit from the sellerest.	−$3,102
Homeowner’s insurance, first yearest.	+$1,675
Prepaid interest (27 days)est.	+$1,289
Property tax escrow (3 months)est.	+$838
Insurance escrow (2 months)est.	+$279
Home inspectionest.	+$450
Cash to close	$75,232

Estimates are tagged “est.”; North Carolina’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

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

Price	North Carolina’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 North Carolina: what to know

No buyer’s taxes

North Carolina has no buyer-paid transfer or mortgage tax.

Excise tax

North Carolina’s excise tax, often called revenue stamps, is $1 per $500 of the price (0.2%), rounded up to the next $500, so $600 on a $300,000 sale. The seller must pay it before the deed is recorded.

Title insurance

The buyer customarily pays for the owner’s policy in North Carolina, and the buyer’s closing attorney orders the title work.

Who runs the closing

In North Carolina an attorney conducts the closing and certifies title, typically the buyer’s attorney. Sellers usually pay a separate fee for deed preparation.

Property taxes and escrow

North Carolina generally bills the calendar year in summer, due September 1 and delinquent after January 5. Before the bill is paid the seller credits the buyer; after it is paid the buyer reimburses the seller.

Local differences

A few northeastern coastal counties, such as Dare and Currituck, have been reported to charge an extra local land transfer tax of 1%, paid by the seller. Confirm with the county register of deeds.

Buying in North Carolina: questions

Does the buyer pay transfer tax in North Carolina?

No. The seller pays North Carolina’s excise tax, and there’s no mortgage tax.

Who pays for title insurance in North Carolina?

The buyer customarily pays for the owner’s policy, and the buyer’s closing attorney orders the title work.

Who chooses the closing attorney in North Carolina?

Usually the buyer. The buyer’s attorney typically conducts the closing and certifies title.

How much are closing costs in North Carolina?

On a $335,000 home with 20% down on a conventional loan, the calculator’s estimates put a North Carolina buyer’s closing costs at about $8,232, or 2.5% of the price, and cash to close at $75,232. North Carolina 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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