South Carolina closing cost calculator

South Carolina buyers pay no transfer or mortgage tax. The buyer customarily pays for the owner’s title policy, issued through the closing attorney’s office.

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

State Closing date

South Carolina: Deed recording fee: 0.37% 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 $67,726

2.6%closing costs

Purchase price$300,000
Down payment (20%)$60,000
- Loan amount$240,000
Loan costs+$3,100
- Origination and lender feesest.+$2,400
- Appraisalest.+$700
Title and closing+$3,300
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,050
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$2,778
- Property tax credit from the sellerest.−$2,778
Prepaids and escrow+$3,654
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$1,154
- Property tax escrow (3 months)est.+$750
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$67,726

Estimated monthly payment$1,892

Principal and interest$1,517
Mortgage insurance$0
Property taxes$250
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.

Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace, opening soon.Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace.Save it to your client and send it as a link. Cash-to-close sheets are free in Workspace.

A South Carolina purchase, worked out

The calculator opens on $300,000, about the median value of an owner-occupied home in South Carolina ($299,500, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $67,726: $60,000 down and $7,726 in closing costs, 2.6% of the price. South Carolina charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,892, with property tax and insurance.

Cash to close on $300,000, 20% down
Down payment	$60,000
Origination and lender feesest.	+$2,400
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,050
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,778
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$1,154
Property tax escrow (3 months)est.	+$750
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$67,726

Estimates are tagged “est.”; South 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

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

Price	South 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 South Carolina: what to know

No buyer’s taxes

South Carolina has no mortgage tax, and the deed recording fee is the seller’s.

Deed recording fee

South Carolina’s deed recording fee is $1.85 per $500 of the price (0.37%), rounded up to the next $500: $1.30 to the state and $0.55 to the county. The seller is primarily liable, so it is a seller cost: $1,110 on a $300,000 sale.

Title insurance

The buyer customarily pays for the owner’s policy in South Carolina, issued through the closing attorney’s office.

Who runs the closing

South Carolina requires an attorney to supervise residential closings, under state Supreme Court precedent. Sellers commonly pay a deed-preparation or attorney fee.

Property taxes and escrow

South Carolina generally bills the calendar year in the fall, due by January 15 of the next year, so taxes are paid in arrears and the seller credits the buyer.

Buying in South Carolina: questions

Does the buyer pay transfer tax in South Carolina?

No. The seller pays South Carolina’s deed recording fee, and there’s no mortgage tax.

Who pays for title insurance in South Carolina?

The buyer customarily pays for the owner’s policy, issued through the closing attorney’s office.

Who chooses the closing attorney in South Carolina?

Usually the buyer, since the closing attorney’s office also handles the buyer’s title policy.

How much are closing costs in South Carolina?

On a $300,000 home with 20% down on a conventional loan, the calculator’s estimates put a South Carolina buyer’s closing costs at about $7,726, or 2.6% of the price, and cash to close at $67,726. South Carolina 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?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.