Closing costs by state
Closing costs in Nebraska
Closing costs in Nebraska 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. Nebraska charges a state transfer tax of $3.32 per $1,000 of value (documentary stamp tax, rate in effect from July 18, 2026 through December 31, 2031), about 0.332% of the price, and the seller customarily pays it.
Last verified ·Sources:revenue.nebraska.gov·revenue.nebraska.gov
The rules
What Nebraska does differently
- State transfer tax
- $3.32 per $1,000 of value (documentary stamp tax, rate in effect from July 18, 2026 through December 31, 2031) (about 0.332% of the price at $400,000).
- Who pays it
- Seller, by custom.
- County and city add-ons
- None; counties collect the state tax but levy no separate transfer tax.
- Attorney at closing
- Nebraska does not require an attorney at closing; a title or escrow company usually conducts it, and an attorney is optional.
- Owner’s title policy
- The owner’s title policy is customarily split between buyer and seller in Nebraska.
- Notes
- The rate changed twice recently ($2.25 until September 2025, then $2.32, then $3.32), so many third-party sites still show the old figure. On a $400,000 sale: $1,328. The statute imposes the tax on the grantor.
- revenue.nebraska.gov — “As of July 18, 2026, the tax rate is $3.32 for each $1,000 of value (or fraction thereof)”
- revenue.nebraska.gov — “July 18, 2026 – present: $3.32 per each $1,000 ... reverts the documentary stamp tax to $2.32 on January 1, 2032”
Worked example
A $400,000 home in Nebraska, 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 and the owner’s policy side follow Nebraska’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, half (estimate) | $750 |
| Prorated property tax | $1,500 |
| Transfer tax, seller’s share (0.332%) | $1,328 |
| Total | $25,578 |
Questions
What people ask about Nebraska
- Who pays the transfer tax in Nebraska?
- Nebraska charges a state transfer tax of $3.32 per $1,000 of value (documentary stamp tax, rate in effect from July 18, 2026 through December 31, 2031), about 0.332% of the price, and the seller customarily pays it.
- Do you need an attorney to close on a house in Nebraska?
- Nebraska does not require an attorney at closing; a title or escrow company usually conducts it, and an attorney is optional.
- Who pays for the owner’s title policy in Nebraska?
- The owner’s title policy is customarily split between buyer and seller in Nebraska.
- How much are seller closing costs in Nebraska?
- On a $400,000 sale with a 5% commission, the worked example on this page comes to $25,578 for the seller, including $1,328 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.
Agent Workspace
Put the numbers to work
The workspace turns the figures you trust into a market update film, a seller net sheet in the CMA, or a buyer education video, from the same numbers. Free to start; one Pro covers every tool and every EstatePass exam channel.