Closing costs by state
Closing costs in Georgia
Closing costs in Georgia run about 2% to 5% of the price for a buyer, made of lender fees, title and settlement, recording, prepaid interest and escrow reserves; on a $400,000 home the worked example below comes to $10,055. Georgia charges a state transfer tax of $1.00 for the first $1,000 plus $0.10 for each additional $100 of consideration (real estate transfer tax, O.C.G.A. § 48-6-1), about 0.1% of the price, and the seller customarily pays it.
Last verified ·Sources:dor.georgia.gov·rsjohnsonlegal.com
The rules
What Georgia does differently
- State transfer tax
- $1.00 for the first $1,000 plus $0.10 for each additional $100 of consideration (real estate transfer tax, O.C.G.A. § 48-6-1) (about 0.1% of the price at $400,000).
- Who pays it
- Seller, by custom.
- County and city add-ons
- None; the clerk of superior court collects it. A separate intangible recording tax of $1.50 per $500 applies to the buyer's mortgage.
- Attorney at closing
- Georgia requires an attorney to conduct or supervise the closing, so an attorney fee is a normal line on both sides.
- Owner’s title policy
- Who pays the owner’s title policy in Georgia varies by county or region; it is set by local custom and the contract.
- Notes
- $400 on a $400,000 sale. A Georgia attorney must conduct the closing (Supreme Court of Georgia, UPL Advisory Opinion 2003-2). Owner's policy is negotiated; the seller often pays outside metro Atlanta.
- dor.georgia.gov — “The seller is liable for the real estate transfer tax, though frequently the parties agree in the sales contract that the buyer will pay the tax.”
- rsjohnsonlegal.com — “required the physical presence and active participation of a Georgia attorney throughout the closing process”
Worked example
A $400,000 home in Georgia, 20% down
Loan of $320,000 at 6.5%, closing on the 15th. Lender, title and recording figures are typical line items used for illustration, the same on every state page; the transfer tax follow Georgia’s rules above. Not a quote: the calculator takes your own figures.
Buyer pays
| Loan origination, 1% of the loan | $3,200 |
| Appraisal | $550 |
| Title and settlement services | $1,800 |
| Lender’s title policy | $900 |
| Recording | $150 |
| Prepaid interest, 15 days at 6.5% | $855 |
| Escrow reserve, 3 months of tax at 1.1% | $1,100 |
| First year of homeowners insurance | $1,500 |
| Total (2.514% of price) | $10,055 |
Seller pays
| Commission, 5% | $20,000 |
| Title and escrow fees | $2,000 |
| Owner’s title policy (estimate) | $1,500 |
| Prorated property tax | $1,500 |
| Transfer tax, seller’s share (0.1%) | $400 |
| Total | $25,400 |
Questions
What people ask about Georgia
- Who pays the transfer tax in Georgia?
- Georgia charges a state transfer tax of $1.00 for the first $1,000 plus $0.10 for each additional $100 of consideration (real estate transfer tax, O.C.G.A. § 48-6-1), about 0.1% of the price, and the seller customarily pays it.
- Do you need an attorney to close on a house in Georgia?
- Georgia requires an attorney to conduct or supervise the closing, so an attorney fee is a normal line on both sides.
- Who pays for the owner’s title policy in Georgia?
- Who pays the owner’s title policy in Georgia varies by county or region; it is set by local custom and the contract.
- How much are seller closing costs in Georgia?
- On a $400,000 sale with a 5% commission, the worked example on this page comes to $25,400 for the seller, including $400 of transfer tax, before the mortgage payoff and any concessions or repairs. The seller net sheet calculator shows the walk-away figure.
Last reviewed September 8, 2026 by the EstatePass editorial team. Formulas and program limits are checked against the published rules; figures on this page are arithmetic, not market statistics.
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