Virginia Title Insurance
Reliable Title & Settlement Services
DMV Title Guy provides practical title and closing education for Ashburn, VA across Loudoun County. When you're ready to close, Will and the Pruitt Title team handle your title and settlement.
What to Understand
Title and Closing Topics in Ashburn, VA
These are common parts of a real estate closing. Will confirms which apply to your transaction, and Pruitt Title's quote and Closing Disclosure set the actual costs.
- Title Search & Examination
- Owner's Title Insurance
- Lender's Title Insurance
- Settlement & Escrow Services
- Title Curative Work
- Deed Preparation & Recording
- 1031 Exchange Closings
- Refinance Closings
- Commercial Transactions
- New Construction Closings
- Investor / Wholesale Closings
- Remote signing options (when available)
Contact Will — Ashburn, VA
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How It Works
The Closing Process in Ashburn
From contract to keys, here's the typical process after a title company accepts a transaction in Ashburn, VA.
Send the Contract
Send Will the contract. He confirms the quote, timing, and next steps with you.
Title Search
The Pruitt Title team reviews the relevant records and flags anything that needs attention before settlement.
Title Commitment
The Pruitt Title team delivers the title commitment, requirements, exceptions, and coverage information.
Closing Coordination
The Pruitt Title team coordinates the closing with the lender, parties, and agents.
Settlement & Recording
The Pruitt Title team handles signing, funding, disbursement, recording, and post-closing work.
Loudoun County · Recording & transfer taxes
What closing actually costs in Ashburn, VA
- Median home price
- $700,000
- Typical total
- 2.5% to 5% for buyers, 1% to 3% for sellers
- Regional transportation fees (seller)
- 0.2%
- Local recordation tax
- 0.083%
- Recording office
- Loudoun County
Ashburn is unincorporated Loudoun County, and a large share of its inventory is newer construction. Two things follow. A builder may steer the first sale toward an affiliated title company — you are free to use your own, and federal law (RESPA, 12 U.S.C. § 2608) bars a seller from making the buyer's choice of title insurer a condition of the sale. And in newer communities the HOA transfer and capital-contribution fees can exceed the state recordation tax on the same purchase, so they belong in your estimate from the start.
For most sales in Loudoun County, the seller pays $0.20 per $100 in Northern Virginia transportation fees. On a $700,000 sale, that comes to $1,400. The purchase contract can divide that cost differently, and refinances do not carry the fee. See Va. Code §§ 58.1-802.3 and 58.1-802.4.
Buyers pay Virginia recordation tax of $0.25 per $100 on the deed (the price) and $0.25 per $100 on the purchase deed of trust (the loan). Loudoun County adds a local recordation tax of one-third of the state tax, about $0.083 per $100, on both. See Va. Code §§ 58.1-801, 58.1-803 and 58.1-814.
Frequently Asked Questions
Where are deeds recorded for a home in Ashburn?
Ashburn is an unincorporated community in Loudoun County. Deeds are recorded by the Clerk of the Loudoun County Circuit Court in Leesburg.
What taxes does a seller pay when selling a home in Ashburn?
The seller customarily pays Virginia's grantor tax of $1 per $1,000 of the price (Va. Code § 58.1-802) plus two Northern Virginia regional fees of $0.10 per $100 each (§§ 58.1-802.3 and 58.1-802.4). On a $700,000 sale that is $700 in grantor tax and $1,400 in regional fees.
What recordation tax does a buyer pay in Ashburn?
Virginia's state recordation tax is $0.25 per $100 (Va. Code § 58.1-801), charged on the price for the deed and on the loan amount for the deed of trust. Loudoun County adds its local recordation tax of $0.083 per $100, one-third of the state rate (§§ 58.1-814 and 58.1-3800). The buyer customarily pays both.
Loudoun County
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The team reviews residential, commercial, refinance, and investment-property requests and confirms the services and requirements for each transaction.
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