| Transfer tax | Excise tax $3.30 per $1,000 ($1.10 state + $0.55 county per $500), up to $4.40 per $1,000 where counties add the local option; plus a $20 flat fee per transfer. |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Required |
| Recording | A $20 flat fee is collected on every transfer, plus county recording fees. |
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); W. Va. Code 11-22-2. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in West Virginia?
Buyer closing costs in West Virginia typically run 2–5% of the purchase price. State-specific items include: Excise tax $3.30 per $1,000 ($1.10 state + $0.55 county per $500), up to $4.40 per $1,000 where counties add the local option; plus a $20 flat fee per transfer.
Who pays transfer tax in West Virginia?
Customarily the seller (customary) pays the transfer tax in West Virginia, though it is negotiable in the contract.
Does West Virginia require an attorney at closing?
Yes, West Virginia is an attorney-closing state, so budget for attorney fees at the closing table.