| Transfer tax | Deed transfer tax 1.1% of price (1.45% on residential sales of $400,000 or more); the buyer separately pays a recordation tax of 1.1% (1.45% at $400,000+). |
|---|---|
| Usually paid by | Seller pays transfer tax; buyer pays recordation tax |
| Attorney at closing | Not required |
| Recording | The Recorder of Deeds charges a flat filing fee (about $26.50 for the first two pages, $7 per page after). |
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); D.C. Code 47-903. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in District of Columbia?
Buyer closing costs in District of Columbia typically run 2–5% of the purchase price. State-specific items include: Deed transfer tax 1.1% of price (1.45% on residential sales of $400,000 or more); the buyer separately pays a recordation tax of 1.1% (1.45% at $400,000+).
Who pays transfer tax in District of Columbia?
Customarily the seller pays transfer tax; buyer pays recordation tax pays the transfer tax in District of Columbia, though it is negotiable in the contract.
Does District of Columbia require an attorney at closing?
No, District of Columbia does not require an attorney at closing, though title insurance is still standard.