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Closing Costs in Fredericksburg, VA
Calculate closing costs for Fredericksburg, VA properties. As an independent city between Northern Virginia and Richmond, Fredericksburg offers competitive pricing with a median around $380,000.
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Local Taxes & Fees in Fredericksburg, VA
Fredericksburg is the one market in our coverage area outside Northern Virginia's two regional transfer fees, and for a seller that is worth real money: the $0.20 per $100 that a Prince William or Fairfax seller owes under §§ 58.1-802.3 and 58.1-802.4 does not apply here at all — about $760 kept on a $380,000 sale. Combined with prices well under the NoVA median, the same percentage rates land on a much smaller base.
Deeds here go to the Fredericksburg Circuit Court Clerk, not to Spotsylvania or Stafford County — the city is independent of both, and levies no transfer tax of its own.
Buyers have a separate Virginia recordation tax of $0.25 per $100. City of Fredericksburg can add a small local charge only if it has adopted an ordinance, so ask your title company or the Circuit Court Clerk to confirm the final amount for your property. See Va. Code §§ 58.1-801 and 58.1-814.
Frequently Asked Questions — Fredericksburg, VA Closing Costs
How much are closing costs in Fredericksburg, VA?
Closing costs in Fredericksburg, VA typically range from 2% to 5% of the purchase price for buyers and 1% to 3% for sellers. For a $500,000 home, expect $10,000–$25,000 in buyer closing costs. Exact amounts depend on loan type, title insurance choices, and City of Fredericksburg recording fees.
Who pays closing costs in Fredericksburg, Virginia?
Both buyers and sellers pay closing costs in Virginia. Buyers typically cover title insurance, loan fees, recording fees, and prepaid items. Sellers pay the grantor tax, their settlement fee, and agent commissions. In Fredericksburg, some costs are negotiable between parties.
What is the grantor tax in Virginia?
The Virginia grantor tax is $0.50 per $500 of the sale price (effectively 0.1%). This is paid by the seller at closing. On a $500,000 home, the grantor tax is $500.
Does Fredericksburg have additional local transfer taxes?
No. Fredericksburg has no local transfer tax, and it sits outside the Northern Virginia regional fee districts, so the $0.20 per $100 that a seller owes in Arlington, Fairfax, Loudoun or Prince William does not apply here.
Need a Precise Closing Cost Estimate?
These are estimates based on standard City of Fredericksburg rates. Every transaction is different — contact Will Rapuano at Pruitt Title LLC for an accurate, line-by-line closing cost breakdown for your Fredericksburg, VA property.