Washington closing cost calculator

Washington buyers pay no excise or mortgage tax, since the seller usually pays it. Buyers who want extended owner’s title coverage pay for the upgrade.

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

State Closing date

Washington: Real estate excise tax: 1.1% to 3%, by price, plus a typical 0.5% local tax, and the seller usually pays it. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $135,080

2.5%closing costs

Purchase price$600,000
Down payment (20%)$120,000
- Loan amount$480,000
Loan costs+$5,500
- Origination and lender feesest.+$4,800
- Appraisalest.+$700
Title and closing+$1,378
- Lender’s title insuranceest.+$528
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes+$444
- Property taxes the seller prepaidest.+$444
Prepaids and escrow+$7,308
- Homeowner’s insurance, first yearest.+$3,000
- Prepaid interest (27 days)est.+$2,308
- Property tax escrow (3 months)est.+$1,500
- Insurance escrow (2 months)est.+$500
Other costs+$450
- Home inspectionest.+$450
Cash to close$135,080

Estimated monthly payment$3,784

Principal and interest$3,034
Mortgage insurance$0
Property taxes$500
Insurance$250
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 Washington purchase, worked out

The calculator opens on $600,000, about the median value of an owner-occupied home in Washington ($602,200, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $135,080: $120,000 down and $15,080 in closing costs, 2.5% of the price. Washington charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $3,784, with property tax and insurance.

Cash to close on $600,000, 20% down
Down payment	$120,000
Origination and lender feesest.	+$4,800
Appraisalest.	+$700
Lender’s title insuranceest.	+$528
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property taxes the seller prepaidest.	+$444
Homeowner’s insurance, first yearest.	+$3,000
Prepaid interest (27 days)est.	+$2,308
Property tax escrow (3 months)est.	+$1,500
Insurance escrow (2 months)est.	+$500
Home inspectionest.	+$450
Cash to close	$135,080

Estimates are tagged “est.”; Washington’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

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

Price	Washington’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$8,022	$58,022	$1,597
$500,000	—	$12,960	$112,960	$3,153
$750,000	—	$18,350	$168,350	$4,730
$1,000,000	—	$23,800	$223,800	$6,307
$2,000,000	—	$45,599	$445,599	$12,613

Buying in Washington: what to know

No buyer’s taxes

Washington has no buyer-paid excise or mortgage tax.

Real estate excise tax

Washington’s state excise tax is graduated and applies by slice: 1.1% up to $525,000, 1.28% up to $1,525,000, 2.75% up to $3,025,000 and 3% above. Cities and counties add up to 0.5%, and most urban areas charge the full 0.5%, which the calculator assumes. On a $600,000 sale that is $6,735 to the state and $3,000 local. The state says the seller usually pays, and if not, the buyer is responsible.

Title insurance

The seller customarily pays for the standard-coverage owner’s policy in Washington, and the buyer pays for any extended coverage.

Who runs the closing

Escrow companies or limited practice officers close Washington sales. An attorney isn’t required.

Property taxes and escrow

Washington taxes the calendar year, half due by April 30 and half by October 31, so a paid half covers through June 30 or December 31. After a half is paid, the buyer reimburses the seller for the rest of that half.

Coming changes

WashingtonJanuary 1, 2027In the calculator
Washington’s real estate excise tax brackets move up: 1.1% to $551,000, 1.28% to $1,551,000, 2.75% to $3,051,000 and 3% above. The calculators already use the new brackets for closings on or after January 1, 2027.

Buying in Washington: questions

Does the buyer pay transfer tax in Washington?

Not usually. Washington’s excise tax is customarily the seller’s, and there’s no mortgage tax.

Who pays for extended title coverage in Washington?

The buyer. The seller customarily pays for standard owner’s coverage, and the buyer pays for any extended coverage.

How are property taxes prorated in Washington?

Washington taxes are paid in halves by April 30 and October 31. If the seller has paid the current half, the buyer reimburses them for the days after closing.

How much are closing costs in Washington?

On a $600,000 home with 20% down on a conventional loan, the calculator’s estimates put a Washington buyer’s closing costs at about $15,080, or 2.5% of the price, and cash to close at $135,080. Washington 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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