How much are closing costs on a $600K house?

Buyer closing costs on a $600,000 house typically range from $18,000 to $36,000 (3-6% of the purchase price). The exact amount depends on your location, lender, and loan type.

Can I roll closing costs into my mortgage?

You can often finance closing costs by accepting a slightly higher interest rate (lender credit) or negotiating seller concessions. Some loans allow financing closing costs directly, but this increases your loan amount.

Closing Costs on a $600K House: What to Expect in 2026

Closing costs on a $600,000 house typically run $18,000 to $36,000 (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%)	$4,800	$6,000	$6,000
Appraisal	$550	$750	$1,000
Credit report	$30	$50	$75
Title insurance	$1,300	$2,100	$3,200
Title search & exam	$350	$550	$900
Attorney fees	$700	$1,400	$2,100
Recording fees	$150	$225	$450
Survey	$450	$650	$1,000
Home inspection	$450	$600	$900
Escrow/title company fees	$700	$1,050	$1,800
Total fees	$9,480	$13,375	$17,425

Prepaid Items (Held in Escrow)

Item	Low Estimate	Typical	High Estimate
Property tax (3 months)	$900	$1,500	$3,000
Homeowners insurance (1 year)	$2,400	$4,200	$7,200
Prepaid interest (15 days)	$800	$1,650	$2,000
Total prepaids	$4,100	$7,350	$12,200

Total Cash Needed at Closing

Down Payment	Closing Costs	Total Cash Needed
5% ($30,000)	$20,725	$50,725
10% ($60,000)	$20,725	$80,725
15% ($90,000)	$20,725	$110,725
20% ($120,000)	$20,725	$140,725

Closing Costs by State (on $600K)

State	Avg. Closing Cost	% of Price
Missouri	$16,200	2.7%
Indiana	$17,400	2.9%
Texas	$25,200	4.2%
California	$28,800	4.8%
New York	$36,000	6.0%

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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