How much are closing costs on a $350K house?

Buyer closing costs on a $350,000 house typically range from $10,500 to $21,000 (3-6% of the purchase price). The exact amount depends on your location, lender, and loan type.

What's included in closing costs for a $350K house?

Closing costs include loan origination fees, appraisal, title insurance, attorney fees, recording fees, prepaid property taxes, homeowners insurance, and prepaid mortgage interest.

Closing Costs on a $350K House: What to Expect in 2026

Closing costs on a $350,000 house typically run $10,500 to $21,000 (3-6% of the purchase price). Here’s the complete breakdown.

Buyer Closing Costs Breakdown

Cost Type	Low Estimate	Typical	High Estimate
Loan origination fee (1%)	$2,800	$3,500	$3,500
Appraisal	$450	$575	$800
Credit report	$30	$50	$75
Title insurance	$800	$1,300	$2,000
Title search & exam	$300	$450	$700
Attorney fees	$500	$1,000	$1,500
Recording fees	$100	$175	$350
Survey	$350	$500	$800
Home inspection	$350	$500	$700
Escrow/title company fees	$500	$800	$1,400
Total fees	$6,180	$8,850	$11,825

Prepaid Items (Held in Escrow)

Item	Low Estimate	Typical	High Estimate
Property tax (3 months)	$525	$875	$1,750
Homeowners insurance (1 year)	$1,400	$2,450	$4,200
Prepaid interest (15 days)	$470	$960	$1,175
Total prepaids	$2,395	$4,285	$7,125

Total Cash Needed at Closing

Down Payment	Closing Costs	Total Cash Needed
3% ($10,500)	$13,135	$23,635
5% ($17,500)	$13,135	$30,635
10% ($35,000)	$13,135	$48,135
20% ($70,000)	$13,135	$83,135

Closing Costs by State (on $350K)

State	Avg. Closing Cost	% of Price
Missouri	$9,450	2.7%
Indiana	$10,150	2.9%
Texas	$14,700	4.2%
California	$16,800	4.8%
New York	$21,000	6.0%

Ways to Reduce Closing Costs

Strategy	Potential Savings
Shop lender fees	$500-1,500
Negotiate seller credits	$3,000-10,500
No-closing-cost mortgage (higher rate)	Full cost rolled in
Ask seller to pay portion	3-6% of price
Close at end of month	Reduce prepaid interest

Written by WealthVieu

WealthVieu researches and writes data-driven personal finance guides using primary sources including the IRS, Bureau of Labor Statistics, Federal Reserve, and Census Bureau.

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