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Get a Title Quote →You've negotiated the price. You've survived the inspection. The appraisal came back clean. Now you're staring at a closing disclosure with 30+ line items and a bottom-line number that's bigger than you expected.
Welcome to closing costs in Virginia.
Most buyers budget 2–5% of the purchase price for closing costs — but that range is so wide it's almost useless. Whether you're buying a $450K townhouse in Woodbridge or an $850K single-family in Vienna, the actual dollars vary significantly depending on your lender, your loan type, the county you're buying in, and the title company you choose.
This guide breaks down every major closing cost line item Virginia buyers and sellers face in 2026, with real dollar ranges from the DMV market.
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Frequently Asked Questions
How much are closing costs in Virginia in 2026?
For buyers, expect 2–4% of the purchase price. On a $500,000 home, that's $10,000–$20,000. The exact amount depends on your loan type, lender, county, and title company.
Who pays closing costs in Virginia — buyer or seller?
Both pay closing costs, but different ones. Buyers pay lender fees, title insurance, and prepaids. Sellers pay commissions, grantor's tax, and deed preparation. Some fees (like the settlement fee) are negotiable.
Are closing costs negotiable in Virginia?
Many are. The real estate commission, seller credits, and title company fees are all negotiable. Lender fees vary by provider. Government fees and taxes are fixed.
What is the grantor's tax in Virginia?
$1 per $1,000 of the sale price. On a $500,000 sale, that's $500. In Northern Virginia, there's an additional congestion tax of $0.15 per $100 of the sale price ($750 on a $500K sale).
Can I roll closing costs into my mortgage in Virginia?
Some loan programs allow it (VA loans, USDA loans). Conventional and FHA loans generally don't allow rolling in closing costs, but you can negotiate seller credits or lender credits to offset them.
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