Ohio closing cost calculator

Ohio buyers pay no conveyance or mortgage tax. Who pays the owner’s title policy varies by region and contract.

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

State Closing date

Ohio: Conveyance fee: 0.4% of the price, and the seller usually pays it. 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 $53,471

2.3%closing costs

Purchase price$240,000
Down payment (20%)$48,000
- Loan amount$192,000
Loan costs+$2,620
- Origination and lender feesest.+$1,920
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,222
- Property tax credit from the sellerest.−$2,222
Prepaids and escrow+$3,273
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$923
- Property tax escrow (3 months)est.+$600
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$53,471

Estimated monthly payment$1,539

Principal and interest$1,214
Mortgage insurance$0
Property taxes$200
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 Ohio purchase, worked out

The calculator opens on $240,000, about the median value of an owner-occupied home in Ohio ($239,800, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $53,471: $48,000 down and $5,471 in closing costs, 2.3% of the price. Ohio charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $1,539, with property tax and insurance.

Cash to close on $240,000, 20% down
Down payment	$48,000
Origination and lender feesest.	+$1,920
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,222
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$923
Property tax escrow (3 months)est.	+$600
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$53,471

Estimates are tagged “est.”; Ohio’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

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

Price	Ohio’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 Ohio: what to know

No buyer’s taxes

Ohio has no buyer-paid conveyance or mortgage tax.

Conveyance fee

Ohio’s real property conveyance fee is set by county: a mandatory $1 per $1,000 (0.1%) plus an optional county fee of up to 0.3%, for as much as 0.4% in total. Many counties charge the full 0.4%, which the calculator assumes, so confirm your county’s rate. The seller pays it, rounded up to the next $100.

Title insurance

Practice varies by region and contract form in Ohio. The seller often pays for the title search or evidence, and the owner’s premium is sometimes split or paid by the buyer. Confirm with your title agency.

Who runs the closing

Title agencies close Ohio sales. An attorney isn’t required.

Property taxes and escrow

Ohio property taxes are paid a year in arrears: each year’s tax is paid in two halves the following year. At closing the seller credits the buyer, typically including any unpaid prior-year halves.

Buying in Ohio: questions

Does the buyer pay transfer tax in Ohio?

No. The seller pays Ohio’s conveyance fee, and there’s no mortgage tax.

Who pays for title insurance in Ohio?

It varies by region and contract. The seller often pays for the title search, while the owner’s premium may be split or paid by the buyer.

When will I pay my first property tax bill in Ohio?

Ohio taxes are paid in two halves the year after the tax year. The seller’s credit at closing covers their share of the taxes you’ll pay.

How much are closing costs in Ohio?

On a $240,000 home with 20% down on a conventional loan, the calculator’s estimates put a Ohio buyer’s closing costs at about $5,471, or 2.3% of the price, and cash to close at $53,471. Ohio 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.

Is anything I type saved?

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