Virginia · Buyer closing costs2024 Census data

Virginia Closing Cost Calculator

Across Virginia's 133 counties, buyer closing costs run $3,151 to $18,862 at each county's median home value with 20% down. Cash needed at closing, with closing costs, the down payment and the transfer tax, runs $20,126 to $233,466. Pick your county for your own figures.

Data reviewed October 16, 2026 · Transfer tax verified April 2026 · Mortgage rates weekly · Methodology

CountyOptional. Picking your county refines the property tax in your closing costs.

Purchase price

$Virginia median: $258,600

Down payment

$20.0% downLTV: 80.00%

Loan term

7.40% fixed, Freddie Mac average, week ending October 15, 2026.

HOA duesMonthly, if any

$/moLeave at $0 if the property has no homeowners association.

Special assessmentsYearly, if any

$/yrDistrict levies or special assessments on the tax bill. Leave at $0 if none.

Estimated closing costs$7,298Likely $5,288 – $9,308 · 2.8% of the priceUsing Virginia's median figures. Pick your county to refine the property tax part.

Lender fees$1,034 – $2,069
Third-party services$2,150 – $4,800
Taxes and government fees$953 – $1,153
Prepaid and escrow$1,150 – $1,286

Every closing cost, and what you can do about it

Fees marked Shop around are where buyers save: compare Loan Estimates and quotes. In Virginia that is $2,784 – $6,169 of your costs.

Lender fees

$1,034 – $2,069

Loan origination feeShop aroundIndustry norm is 0.5%-1.0% of the loan amount; shop multiple lenders to compare$1,034 – $2,069

Third-party services

$2,150 – $4,800

Title insuranceShop aroundCombined lender's and owner's policies typically run $800-$2,000; rates are regulated in FL, TX, and NM$800 – $2,000

Home appraisalLender orders2026 single-family appraisals typically run $400-$700; larger or complex homes cost more$400 – $700

Home inspectionShop aroundStandard single-family inspections run $350-$600 in 2026; specialty tests (radon, mold, termite) are extra$350 – $600

Real estate attorneyShop aroundFlat fees for a standard residential closing run $600-$1,500; metro markets like NYC can exceed this$600 – $1,500

Taxes and government fees

$953 – $1,153

Recording feesSet by countyCounty government fee to record the deed and mortgage; 2026 national average is around $125$100 – $300

Virginia transfer tax (buyer share)Set by law0.33% of the purchase price$853

Prepaid and escrow

$1,150 – $1,286

Prepaid mortgage interestPaid in advanceApproximately 15 days of interest at your rate, depending on closing date$629

Homeowners insurance (2 months)Paid in advanceLenders typically collect 2 months of premium upfront and hold it in escrow$250

Property tax escrow (2-3 months)Paid in advanceLenders typically collect 2-3 months of property tax upfront and hold it in escrow$271 – $407

The buyer pays 0.33% transfer tax in Virginia, included above.

After closing: monthly

$1,651 – $1,735

Mortgage (30yr, 7.40%)$1,432/mo

Property tax$136/mo

Homeowners insurance (est.)$83 – $167/mo

Year one

$79,335

Cash at closing (midpoint)$59,018

12 months of payments (midpoint)$20,317

Estimated year-one total$79,335

Closing costs$5,288 – $9,308Fees, taxes and prepaid items

Cash to close$57,008 – $61,02820% down plus closing costs

Year one$79,335Cash to close plus 12 months of payments

All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 7.40%, the Freddie Mac PMMS average for the week ending October 15, 2026. Your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.

Virginia closing cost facts

What is specific to buying in Virginia, with sources.

Transfer tax

Buyers pay 0.33% and sellers 0.1% in transfer tax. Grantor's (seller) tax $0.50/$500 (0.1%). Northern Virginia and Hampton Roads sellers pay an additional $0.15/$100 (0.15%) NVTA/HRTA regional congestion fee (total ~0.25% seller in those regions). Buyer pays State Recordation Tax $0.25/$100 (0.25%) + local 1/3 addition ($0.083/$100) + grantee tax $0.50/$500 (0.1%) ≈ 0.43% total on deed. Additional recordation on mortgage applies if financed.

Verified April 2026. Source

Closing attorney

Virginia is an attorney-closing state: a real estate attorney typically handles the closing. The calculator includes $600 – $1,500 for it.

Property tax at closing

Lenders collect two to three months of property tax at closing for escrow. In Virginia, the calculator estimates it from the county's median taxes paid divided by its median home value.

Closing costs by county in Virginia

Each county at its own median home value with 20% down and a 30-year loan. Open a county for its full breakdown.

County	Median home	Closing costs	Cash at closing
Accomack County	$204,300	$3,978 – $7,728	$45,513 – $49,262
Albemarle County	$495,400	$6,307 – $11,449	$107,022 – $112,163
Alexandria city	$735,100	$8,400 – $14,776	$157,846 – $164,222
Alleghany County	$125,800	$3,476 – $6,912	$29,051 – $32,488
Amelia County	$282,400	$4,496 – $8,566	$61,908 – $65,978
Amherst County	$212,400	$4,029 – $7,810	$47,210 – $50,991
Appomattox County	$207,600	$4,014 – $7,784	$46,219 – $49,989
Arlington County	$895,000	$9,616 – $16,726	$191,570 – $198,679
Augusta County	$306,100	$4,710 – $8,905	$66,940 – $71,135
Bath County	$206,700	$3,963 – $7,706	$45,985 – $49,728
Bedford County	$297,400	$4,627 – $8,774	$65,089 – $69,235
Bland County	$152,100	$3,619 – $7,148	$34,541 – $38,070
Botetourt County	$289,200	$4,671 – $8,833	$63,465 – $67,627
Bristol city	$184,100	$3,915 – $7,617	$41,343 – $45,045
Brunswick County	$142,700	$3,555 – $7,044	$32,566 – $36,055
Buchanan County	$94,900	$3,179 – $6,443	$22,472 – $25,736
Buckingham County	$173,400	$3,766 – $7,385	$39,019 – $42,638
Buena Vista city	$156,200	$3,742 – $7,335	$35,497 – $39,090
Campbell County	$211,600	$4,020 – $7,795	$47,038 – $50,813
Caroline County	$307,700	$4,746 – $8,959	$67,301 – $71,515
Carroll County	$156,500	$3,646 – $7,191	$35,462 – $39,008
Charles City County	$241,400	$4,277 – $8,204	$53,353 – $57,281
Charlotte County	$144,100	$3,553 – $7,043	$32,849 – $36,338
Charlottesville city	$486,700	$6,283 – $11,406	$105,229 – $110,352
Chesapeake city	$378,400	$5,452 – $10,074	$82,381 – $87,003
Chesterfield County	$366,000	$5,317 – $9,862	$79,725 – $84,270
Clarke County	$550,100	$6,482 – $11,753	$118,317 – $123,589
Colonial Heights city	$246,600	$4,432 – $8,441	$54,565 – $58,574
Covington city	$83,500	$3,151 – $6,391	$20,126 – $23,367
Craig County	$189,000	$3,893 – $7,588	$42,317 – $46,012
Culpeper County	$409,200	$5,489 – $10,154	$88,679 – $93,345
Cumberland County	$239,300	$4,266 – $8,187	$52,916 – $56,837
Danville city	$119,100	$3,395 – $6,786	$27,608 – $30,999
Dickenson County	$102,700	$3,241 – $6,541	$24,120 – $27,420
Dinwiddie County	$257,800	$4,393 – $8,392	$56,804 – $60,803
Emporia city	$148,500	$3,651 – $7,192	$33,841 – $37,382
Essex County	$238,100	$4,256 – $8,171	$52,662 – $56,577
Fairfax city	$722,600	$8,235 – $14,518	$155,139 – $161,423
Fairfax County	$732,800	$8,441 – $14,836	$157,420 – $163,815
Falls Church city	$1,055,600	$10,957 – $18,862	$225,560 – $233,466
Fauquier County	$573,700	$6,911 – $12,415	$123,544 – $129,049
Floyd County	$225,400	$4,157 – $8,013	$49,981 – $53,836
Fluvanna County	$314,100	$4,848 – $9,119	$68,705 – $72,975
Franklin city	$256,600	$4,454 – $8,483	$56,621 – $60,649
Franklin County	$240,400	$4,246 – $8,157	$53,119 – $57,031
Frederick County	$386,000	$5,291 – $9,838	$83,764 – $88,312
Fredericksburg city	$483,700	$6,096 – $11,123	$104,432 – $109,459
Galax city	$141,300	$3,588 – $7,092	$32,314 – $35,819
Giles County	$151,100	$3,627 – $7,158	$34,345 – $37,877
Gloucester County	$331,000	$4,942 – $9,272	$72,234 – $76,565
Goochland County	$500,600	$6,137 – $11,197	$107,909 – $112,969
Grayson County	$150,100	$3,606 – $7,127	$34,121 – $37,642
Greene County	$343,300	$5,056 – $9,453	$74,849 – $79,246
Greensville County	$159,400	$3,668 – $7,227	$36,074 – $39,633
Halifax County	$155,700	$3,622 – $7,155	$35,276 – $38,808
Hampton city	$245,700	$4,468 – $8,495	$54,419 – $58,446
Hanover County	$400,400	$5,513 – $10,184	$86,915 – $91,585
Harrisonburg city	$299,100	$4,804 – $9,041	$65,611 – $69,848
Henrico County	$359,200	$5,238 – $9,739	$78,263 – $82,764
Henry County	$134,800	$3,473 – $6,916	$30,878 – $34,321
Highland County	$200,000	$3,976 – $7,721	$44,636 – $48,381
Hopewell city	$181,600	$3,929 – $7,636	$40,848 – $44,555
Isle of Wight County	$356,500	$5,212 – $9,697	$77,688 – $82,173
James City County	$447,200	$5,861 – $10,741	$96,776 – $101,657
King and Queen County	$231,600	$4,191 – $8,068	$51,276 – $55,153
King George County	$428,300	$5,631 – $10,382	$92,704 – $97,455
King William County	$315,700	$4,819 – $9,076	$69,001 – $73,258
Lancaster County	$327,000	$4,863 – $9,151	$71,342 – $75,630
Lee County	$98,900	$3,235 – $6,531	$23,342 – $26,637
Lexington city	$275,200	$4,641 – $8,777	$60,589 – $64,725
Loudoun County	$743,800	$8,338 – $14,691	$159,553 – $165,905
Louisa County	$315,300	$4,842 – $9,110	$68,942 – $73,211
Lunenburg County	$150,100	$3,562 – $7,060	$34,077 – $37,576
Lynchburg city	$229,800	$4,279 – $8,198	$50,997 – $54,917
Madison County	$370,300	$5,210 – $9,705	$80,492 – $84,987
Manassas city	$449,900	$6,214 – $11,274	$97,679 – $102,739
Manassas Park city	$395,900	$5,819 – $10,639	$86,306 – $91,126
Martinsville city	$98,400	$3,260 – $6,567	$23,264 – $26,571
Mathews County	$360,900	$5,080 – $9,502	$78,451 – $82,873
Mecklenburg County	$192,600	$3,882 – $7,574	$43,038 – $46,730
Middlesex County	$352,200	$5,062 – $9,469	$76,664 – $81,071
Montgomery County	$304,600	$4,834 – $9,090	$66,759 – $71,015
Nelson County	$321,700	$4,840 – $9,112	$70,241 – $74,513
New Kent County	$393,600	$5,449 – $10,082	$85,468 – $90,101
Newport News city	$260,600	$4,616 – $8,727	$57,595 – $61,707
Norfolk city	$289,900	$4,847 – $9,097	$63,783 – $68,034
Northampton County	$316,200	$4,835 – $9,100	$69,118 – $73,384
Northumberland County	$346,800	$5,005 – $9,379	$75,509 – $79,884
Norton city	$110,000	$3,341 – $6,698	$25,704 – $29,061
Nottoway County	$167,500	$3,704 – $7,288	$37,757 – $41,340
Orange County	$364,200	$5,175 – $9,649	$79,217 – $83,690
Page County	$233,200	$4,250 – $8,157	$51,659 – $55,567
Patrick County	$153,400	$3,628 – $7,162	$34,814 – $38,348
Petersburg city	$189,000	$3,970 – $7,703	$42,393 – $46,126
Pittsylvania County	$161,400	$3,696 – $7,271	$36,509 – $40,083
Poquoson city	$400,300	$5,690 – $10,449	$87,071 – $91,830
Portsmouth city	$246,900	$4,515 – $8,565	$54,709 – $58,760
Powhatan County	$416,000	$5,584 – $10,302	$90,157 – $94,874
Prince Edward County	$216,600	$4,047 – $7,840	$48,082 – $51,875
Prince George County	$293,400	$4,751 – $8,957	$64,399 – $68,605
Prince William County	$530,100	$6,743 – $12,130	$114,513 – $119,900
Pulaski County	$191,700	$3,934 – $7,650	$42,906 – $46,623
Radford city	$220,700	$4,183 – $8,048	$49,051 – $52,916
Rappahannock County	$506,400	$6,175 – $11,260	$109,127 – $114,211
Richmond city	$353,000	$5,296 – $9,820	$77,060 – $81,585
Richmond County	$231,500	$4,204 – $8,088	$51,268 – $55,152
Roanoke city	$190,500	$4,041 – $7,811	$42,770 – $46,540
Roanoke County	$286,000	$4,746 – $8,943	$62,890 – $67,087
Rockbridge County	$248,800	$4,349 – $8,319	$54,930 – $58,900
Rockingham County	$313,000	$4,788 – $9,027	$68,421 – $72,660
Russell County	$120,600	$3,372 – $6,752	$27,890 – $31,270
Salem city	$258,600	$4,550 – $8,627	$57,123 – $61,201
Scott County	$143,000	$3,567 – $7,063	$32,639 – $36,135
Shenandoah County	$294,900	$4,652 – $8,809	$64,605 – $68,762
Smyth County	$139,600	$3,532 – $7,008	$31,913 – $35,388
Southampton County	$216,200	$4,127 – $7,960	$48,081 – $51,914
Spotsylvania County	$404,900	$5,496 – $10,161	$87,812 – $92,478
Stafford County	$485,100	$6,189 – $11,264	$104,810 – $109,884
Staunton city	$259,200	$4,470 – $8,508	$57,166 – $61,204
Suffolk city	$347,400	$5,273 – $9,781	$75,899 – $80,408
Surry County	$238,800	$4,311 – $8,254	$52,859 – $56,802
Sussex County	$183,800	$3,862 – $7,537	$41,229 – $44,904
Tazewell County	$118,300	$3,382 – $6,766	$27,433 – $30,816
Virginia Beach city	$382,500	$5,471 – $10,106	$83,233 – $87,868
Warren County	$348,400	$5,044 – $9,439	$75,874 – $80,269
Washington County	$214,000	$4,054 – $7,849	$47,560 – $51,355
Waynesboro city	$245,500	$4,353 – $8,321	$54,263 – $58,231
Westmoreland County	$269,600	$4,506 – $8,570	$59,315 – $63,379
Williamsburg city	$428,100	$5,673 – $10,446	$92,706 – $97,478
Winchester city	$343,000	$5,138 – $9,576	$74,870 – $79,308
Wise County	$118,600	$3,378 – $6,760	$27,490 – $30,872
Wythe County	$171,200	$3,751 – $7,361	$38,556 – $42,166
York County	$433,200	$5,752 – $10,568	$93,822 – $98,638

Estimates for planning only. Cash at closing is the 20% down payment plus closing costs and the buyer's transfer tax.

Frequently asked questions

Answers to common questions about closing on a home in Virginia.

How much are closing costs in Virginia?

With 20% down, buyer closing costs in Virginia run $3,151 in Covington city to $18,862 in Falls Church city, each at its median home value: lender and title fees, appraisal, inspection, recording, and prepaid interest, insurance and property tax. The buyer also pays transfer tax of 0.33% of the price. Pick your county in the calculator for your own figures.

Does Virginia have a transfer tax, and who pays it?

Yes. Buyers pay 0.33% and sellers 0.1% in transfer tax. Grantor's (seller) tax $0.50/$500 (0.1%). Northern Virginia and Hampton Roads sellers pay an additional $0.15/$100 (0.15%) NVTA/HRTA regional congestion fee (total ~0.25% seller in those regions). Buyer pays State Recordation Tax $0.25/$100 (0.25%) + local 1/3 addition ($0.083/$100) + grantee tax $0.50/$500 (0.1%) ≈ 0.43% total on deed. Additional recordation on mortgage applies if financed.

Do I need an attorney to close on a home in Virginia?

Typically, yes. Virginia is an attorney-closing state, so the calculator includes a real estate attorney fee in the closing cost range.

How much cash do I need to close on a home in Virginia?

With 20% down, cash due at closing in Virginia runs $20,126 in Covington city to $233,466 in Falls Church city, each at its median home value: the down payment plus closing costs and transfer tax.

More on Virginia

Property tax by county, exemptions and median home values are on the Virginia property tax page. Compare other states on the closing cost calculator. How every figure is built is on the methodology page.