Vermont closing cost calculator

Vermont buyers pay the property transfer tax. For a home they’ll live in it is 0.5% on the first $200,000 and 1.47% above, with higher rates for second homes.

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

State Closing date

Vermont: Property transfer tax: 0.5% to 1.47%, by price, and the buyer 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 $82,800

3.3%closing costs

Purchase price$355,000
Down payment (20%)$71,000
- Loan amount$284,000
Loan costs+$3,540
- Origination and lender feesest.+$2,840
- Appraisalest.+$700
Title and closing+$3,493
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$1,243
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$8
- Property transfer tax+$3,279
- Property tax credit from the sellerest.−$3,287
Prepaids and escrow+$4,325
- Homeowner’s insurance, first yearest.+$1,775
- Prepaid interest (27 days)est.+$1,366
- Property tax escrow (3 months)est.+$888
- Insurance escrow (2 months)est.+$296
Other costs+$450
- Home inspectionest.+$450
Cash to close$82,800

Estimated monthly payment$2,239

Principal and interest$1,795
Mortgage insurance$0
Property taxes$296
Insurance$148
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 Vermont purchase, worked out

The calculator opens on $355,000, about the median value of an owner-occupied home in Vermont ($352,800, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $82,800: $71,000 down and $11,800 in closing costs, 3.3% of the price. Vermont’s taxes on the buyer come to $3,279 of that: property transfer tax $3,279. The monthly payment comes to about $2,239, with property tax and insurance.

Cash to close on $355,000, 20% down
Down payment	$71,000
Origination and lender feesest.	+$2,840
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$1,243
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property transfer tax	+$3,279
Property tax credit from the sellerest.	−$3,287
Homeowner’s insurance, first yearest.	+$1,775
Prepaid interest (27 days)est.	+$1,366
Property tax escrow (3 months)est.	+$888
Insurance escrow (2 months)est.	+$296
Home inspectionest.	+$450
Cash to close	$82,800

Estimates are tagged “est.”; Vermont’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

Vermont has no state tax of its own on the buyer. The buyer usually pays the property transfer tax too. Each row has 20% down on a conventional loan.

Price	Vermont’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$1,735	$9,032	$59,032	$1,597
$500,000	$5,410	$16,020	$116,020	$3,153
$750,000	$9,085	$23,460	$173,460	$4,730
$1,000,000	$12,760	$30,960	$230,960	$6,307
$2,000,000	$27,460	$60,959	$460,959	$12,613

Buying in Vermont: what to know

No buyer’s taxes

The buyer pays Vermont’s property transfer tax: 0.5% on the first $200,000 of a principal residence and 1.47% above. There’s no mortgage tax.

Property transfer tax

Vermont’s property transfer tax is paid by the buyer. For a buyer’s principal residence it is 0.5% on the first $200,000 and 1.47% above that, including the 0.22% clean water surcharge, so $2,470 on a $300,000 home. Other property generally pays 1.47%; purchases financed through VHFA or USDA programs are exempt on the first $250,000; and a year-round home that won’t be the buyer’s principal residence pays 3.62%.

Title insurance

The buyer customarily pays for title in Vermont, whether an attorney’s title opinion, an owner’s policy or both.

Who runs the closing

Vermont attorneys customarily handle the title search, title opinion and closing. The seller’s attorney prepares the deed and the property transfer return.

Property taxes and escrow

Vermont property tax is set by each town, and most use a July-to-June fiscal year with installments, so the proration depends on which installments have been paid.

Buying in Vermont: questions

How much is the property transfer tax in Vermont?

For a home you’ll live in, Vermont charges 0.5% on the first $200,000 and 1.47% above. A $300,000 principal residence pays $2,470.

Is the transfer tax higher on a Vermont second home?

Yes. A year-round home that won’t be the buyer’s principal residence pays 3.62%, including the clean water surcharge.

Are there Vermont transfer tax breaks for first-time or VHFA buyers?

Purchases financed through VHFA or USDA programs are exempt on the first $250,000 and pay 1.47% above that.

How much are closing costs in Vermont?

On a $355,000 home with 20% down on a conventional loan, the calculator’s estimates put a Vermont buyer’s closing costs at about $11,800, or 3.3% of the price, and cash to close at $82,800. Vermont’s taxes on the buyer come to $3,279 of that: property transfer tax $3,279. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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