West Virginia closing cost calculator

West Virginia buyers pay no excise or mortgage tax. The buyer customarily pays for the owner’s title policy and the attorney’s title exam.

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

State Closing date

West Virginia: Excise tax: 0.33% 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 $40,610

3.9%closing costs

Purchase price$170,000
Down payment (20%)$34,000
- Loan amount$136,000
Loan costs+$2,060
- Origination and lender feesest.+$1,360
- Appraisalest.+$700
Title and closing+$2,845
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$595
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$1,574
- Property tax credit from the sellerest.−$1,574
Prepaids and escrow+$2,829
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$654
- Property tax escrow (3 months)est.+$425
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$40,610

Estimated monthly payment$1,127

Principal and interest$860
Mortgage insurance$0
Property taxes$142
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 West Virginia purchase, worked out

The calculator opens on $170,000, about the median value of an owner-occupied home in West Virginia ($170,800, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $40,610: $34,000 down and $6,610 in closing costs, 3.9% of the price. West Virginia charges the buyer no state transfer or mortgage tax, though a county or city can. The monthly payment comes to about $1,127, with property tax and insurance.

Cash to close on $170,000, 20% down
Down payment	$34,000
Origination and lender feesest.	+$1,360
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$595
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property tax credit from the sellerest.	−$1,574
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$654
Property tax escrow (3 months)est.	+$425
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$40,610

Estimates are tagged “est.”; West Virginia’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

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

Price	West Virginia’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 West Virginia: what to know

No buyer’s taxes

West Virginia has no buyer-paid excise or mortgage tax.

Excise tax

West Virginia’s excise tax on deeds is $1.10 per $500 to the state (0.22%) plus $0.55 per $500 to the county (0.11%), or 0.33% in total, rounded up to the next $500. A county can raise its share to $1.65 per $500, for up to 0.55%, so confirm the county. The seller pays it unless the buyer accepts a deed without the tax paid.

Title insurance

The buyer customarily pays for the owner’s policy and the attorney’s title examination in West Virginia.

Who runs the closing

Title examinations are attorney work in West Virginia, and closings are customarily conducted or supervised by attorneys.

Property taxes and escrow

West Virginia tax tickets issue in July, with the first half due September 1 and the second half March 1 of the next year. Most of a tax year is paid late in or after it, so it is generally treated as arrears and the seller credits the buyer.

Buying in West Virginia: questions

Does the buyer pay transfer tax in West Virginia?

Not normally. The seller pays West Virginia’s excise tax, and there’s no mortgage tax.

Who pays for title insurance in West Virginia?

The buyer customarily pays for the owner’s policy and the attorney’s title examination.

Do I need an attorney to buy in West Virginia?

It is customary. Title exams are attorney work in West Virginia, and attorneys usually conduct or supervise the closing.

How much are closing costs in West Virginia?

On a $170,000 home with 20% down on a conventional loan, the calculator’s estimates put a West Virginia buyer’s closing costs at about $6,610, or 3.9% of the price, and cash to close at $40,610. West Virginia 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.

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