| Transfer tax | Deed recording fee $3.70 per $1,000 ($1.85 per $500). |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Required |
| Recording | Recording fees are set by the county register of deeds, typically a flat fee per document. |
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 South Carolina?
Buyer closing costs in South Carolina typically run 2–5% of the purchase price. State-specific items include: Deed recording fee $3.70 per $1,000 ($1.85 per $500).
Who pays transfer tax in South Carolina?
Customarily the seller (customary) pays the transfer tax in South Carolina, though it is negotiable in the contract.
Does South Carolina require an attorney at closing?
Yes, South Carolina is an attorney-closing state, so budget for attorney fees at the closing table.