North Dakota closing cost calculator

North Dakota buyers pay no transfer or mortgage tax. Title is often still traced through abstracts, sometimes with an attorney’s title opinion.

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

State Closing date

North Dakota: No state transfer tax. Owner’s title is usually paid by the seller, though it varies.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $58,598

2.1%closing costs

Purchase price$265,000
Down payment (20%)$53,000
- Loan amount$212,000
Loan costs+$2,820
- Origination and lender feesest.+$2,120
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,454
- Property tax credit from the sellerest.−$2,454
Prepaids and escrow+$3,432
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$1,019
- Property tax escrow (3 months)est.+$663
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$58,598

Estimated monthly payment$1,686

Principal and interest$1,340
Mortgage insurance$0
Property taxes$221
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 North Dakota purchase, worked out

The calculator opens on $265,000, about the median value of an owner-occupied home in North Dakota ($266,100, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $58,598: $53,000 down and $5,598 in closing costs, 2.1% of the price. North Dakota charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,686, with property tax and insurance.

Cash to close on $265,000, 20% down
Down payment	$53,000
Origination and lender feesest.	+$2,120
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,454
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$1,019
Property tax escrow (3 months)est.	+$663
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$58,598

Estimates are tagged “est.”; North Dakota’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 Dakota has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	North Dakota’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 North Dakota: what to know

No buyer’s taxes

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

No state transfer tax

North Dakota has no state or local real estate transfer tax. A statement of full consideration is filed with the deed, but no tax is due.

Title insurance

North Dakota is traditionally an abstract state: the seller pays to update the abstract, and who pays for an owner’s title policy, if one is bought, is negotiated. Confirm with your title company.

Who runs the closing

Title companies close most North Dakota sales. Attorney title opinions on abstracts are still used in some areas.

Property taxes and escrow

North Dakota taxes for a year are generally payable the following year: due January 1, with a discount if paid by February 15 and the first half delinquent after March 1. They are paid in arrears, so the seller credits the buyer.

Buying in North Dakota: questions

What taxes does a buyer pay in North Dakota?

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

Should I buy owner’s title insurance in North Dakota?

It is optional and who pays is negotiated. Some North Dakota buyers rely on the abstract and an attorney’s title opinion instead.

When are property taxes due in North Dakota?

Generally January 1 of the year after the tax year, with a discount for paying by February 15.

How much are closing costs in North Dakota?

On a $265,000 home with 20% down on a conventional loan, the calculator’s estimates put a North Dakota buyer’s closing costs at about $5,598, or 2.1% of the price, and cash to close at $58,598. North Dakota 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?

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