| Transfer tax | Realty transfer tax 4% of value (2.5% state + 1.5% county); partial exemptions are available for first-time homebuyers. |
|---|---|
| Usually paid by | Split 50/50 (customary) |
| Attorney at closing | Required |
| Recording | Recording fees are set by the county recorder of deeds; verify locally. |
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); Delaware Code Title 30 Ch. 54. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in Delaware?
Buyer closing costs in Delaware typically run 2–5% of the purchase price. State-specific items include: Realty transfer tax 4% of value (2.5% state + 1.5% county); partial exemptions are available for first-time homebuyers.
Who pays transfer tax in Delaware?
Customarily the split 50/50 (customary) pays the transfer tax in Delaware, though it is negotiable in the contract.
Does Delaware require an attorney at closing?
Yes, Delaware is an attorney-closing state, so budget for attorney fees at the closing table.