| Transfer tax | County documentary transfer tax $1.10 per $1,000 of value; several charter cities (Los Angeles, San Francisco, Oakland) levy additional city transfer taxes, with multi-percent rates on high-value sales. |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county recorder, typically a flat fee for the first page plus per-page charges. |
What drives your total
Lender fees, title insurance, prepaid taxes and insurance, and any points you buy move the number most. On a $400,000 purchase, 2–5% means roughly $8,000–$20,000 at the table, your Loan Estimate itemizes every dollar three business days before closing.
Ways to reduce cash to close
- Seller credits (negotiated in the contract, program limits apply)
- Lender credits in exchange for a slightly higher rate
- Down payment assistance programs where available
- Closing on time, per-diem interest accrues daily
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in California?
Buyer closing costs in California typically run 2–5% of the purchase price. State-specific items include: County documentary transfer tax $1.10 per $1,000 of value; several charter cities (Los Angeles, San Francisco, Oakland) levy additional city transfer taxes, with multi-percent rates on high-value sales.
Who pays transfer tax in California?
Customarily the seller (customary) pays the transfer tax in California, though it is negotiable in the contract.
Does California require an attorney at closing?
No, California does not require an attorney at closing, though title insurance is still standard.