Wisconsin closing cost calculator

Wisconsin buyers pay no transfer or mortgage tax. Property taxes are paid a year behind, so the buyer usually receives a credit at closing.

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

State Closing date

Wisconsin: Real estate transfer fee: 0.3% of the price, 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 $64,751

1.9%closing costs

Purchase price$295,000
Down payment (20%)$59,000
- Loan amount$236,000
Loan costs+$3,060
- Origination and lender feesest.+$2,360
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,732
- Property tax credit from the sellerest.−$2,732
Prepaids and escrow+$3,623
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$1,135
- Property tax escrow (3 months)est.+$738
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$64,751

Estimated monthly payment$1,863

Principal and interest$1,492
Mortgage insurance$0
Property taxes$246
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 Wisconsin purchase, worked out

The calculator opens on $295,000, about the median value of an owner-occupied home in Wisconsin ($294,700, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $64,751: $59,000 down and $5,751 in closing costs, 1.9% of the price. Wisconsin charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,863, with property tax and insurance.

Cash to close on $295,000, 20% down
Down payment	$59,000
Origination and lender feesest.	+$2,360
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,732
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$1,135
Property tax escrow (3 months)est.	+$738
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$64,751

Estimates are tagged “est.”; Wisconsin’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

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

Price	Wisconsin’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 Wisconsin: what to know

No buyer’s taxes

Wisconsin has no buyer-paid transfer or mortgage tax.

Real estate transfer fee

Wisconsin’s real estate transfer fee is $0.30 per $100 of value (0.3%), rounded up to the next $100, and the law puts it on the seller, $900 on a $300,000 sale.

Title insurance

The seller customarily pays for the owner’s policy in Wisconsin, as standard offer-to-purchase practice provides.

Who runs the closing

Title companies close Wisconsin sales. An attorney isn’t required.

Property taxes and escrow

Wisconsin taxes for one year are billed in December and paid the next year, by January 31 or in installments, so they are paid in arrears and the seller credits the buyer.

Buying in Wisconsin: questions

Does the buyer pay transfer tax in Wisconsin?

No. The seller pays Wisconsin’s transfer fee, and there’s no mortgage tax.

When are property taxes due in Wisconsin?

Wisconsin bills each year’s taxes in December, payable by January 31 or in installments during the following year.

Who closes a home sale in Wisconsin?

Title companies close most Wisconsin sales; an attorney isn’t required.

How much are closing costs in Wisconsin?

On a $295,000 home with 20% down on a conventional loan, the calculator’s estimates put a Wisconsin buyer’s closing costs at about $5,751, or 1.9% of the price, and cash to close at $64,751. Wisconsin 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?

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