| Transfer tax | Real estate excise tax, graduated from 1.1% to 2.75% at the state level plus 0.5% local (1.6% to 3.25% combined). |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county auditor/recorder, 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); WA Dept. of Revenue (graduated REET). Figures are typical ranges, not quotes.
FAQ
How much are closing costs in Washington?
Buyer closing costs in Washington typically run 2–5% of the purchase price. State-specific items include: Real estate excise tax, graduated from 1.1% to 2.75% at the state level plus 0.5% local (1.6% to 3.25% combined).
Who pays transfer tax in Washington?
Customarily the seller (customary) pays the transfer tax in Washington, though it is negotiable in the contract.
Does Washington require an attorney at closing?
No, Washington does not require an attorney at closing, though title insurance is still standard.