Closing Costs for Virginia (2026)
Virginia (VA) Key Facts
Average Closing Cost Rate
2.8%
Estimated Closing Costs ( Median Home)
$10,640
Attorney Required at Closing
Yes
Median Home Price
$380,000
Transfer Tax
Varies by county
How This Calculator Works in Virginia
This closing costs calculator estimates the total amount you will need at closing when buying a home in Virginia. It uses the state's average closing cost rate of 2.8% as a baseline and lets you adjust for your specific purchase price and situation. Understanding these costs in advance helps you budget effectively and avoid surprises at the closing table.
Virginia Overview
Closing costs in Virginia average about 2.8% of the home's purchase price—roughly $10,640 on the median home of $380,000. Virginia requires an attorney at closing, adding legal oversight and cost to the process. Transfer taxes in Virginia are: $0.50 per $500 (grantor tax + recordation tax of $0.25 per $100).
How Virginia Compares
Virginia's average closing cost rate of 2.8% is in the middle range nationally. Neighboring Maryland averages 3.5%, while North Carolina averages 2.8%. States with attorney requirements and higher transfer taxes tend to have elevated closing costs overall.
| State | Top Rate | Notes |
|---|---|---|
| Maryland | 3.5% | Average closing costs are 3.5% of the home price, approximately $14,000 on the median home. Attorney required at closing. |
| North Carolina | 2.8% | Average closing costs are 2.8% of the home price, approximately $9,100 on the median home. Attorney not required at closing. |
| West Virginia | 2.5% | Average closing costs are 2.5% of the home price, approximately $4,000 on the median home. Attorney required at closing. |
Closing costs in Virginia average 2.8% of the home price, or about $10,640 on the median-priced home of $380,000. The national average for closing costs is typically 2-5% of the purchase price. Virginia falls in the mid-range nationally.
Tips for Virginia Residents
- 1Budget approximately 2.8% of the purchase price for closing costs in Virginia, which comes to about $10,640 on the median home of $380,000. This is in addition to your down payment and moving expenses.
- 2Virginia requires an attorney at closing, adding legal oversight and cost to the process. Attorney fees typically run $500-$2,000 in Virginia depending on the complexity of the deal.
- 3Transfer taxes in Virginia: $0.50 per $500 (grantor tax + recordation tax of $0.25 per $100). Make sure you know who is customarily responsible (buyer or seller) in your county, as local practice varies.
- 4Shop at least three lenders for your Loan Estimate in Virginia. Origination fees, discount points, and third-party charges can differ by $1,000 or more between lenders on the same loan amount.
- 5Ask about first-time homebuyer programs in Virginia that may offer closing cost assistance, grants, or below-market interest rates. Many state and county housing finance agencies provide such programs.
Frequently Asked Questions
on LegalDraft