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Closing Costs in Delaware (2026)
Buyers in Delaware typically pay $7,922 to $19,805 in closing costs (2–5%) on a median-priced home of $396,100. Our itemized estimate: about $19,446 (4.9% of the price), plus a $79,220 down payment at 20% down.
Delaware at a Glance
Median home price
$396,100
Estimated closing costs
$19,446
4.9% of priceProperty tax rate
0.58%
≈ $2,297/year2026 conforming loan limit
$832,750
2026 one-unit conforming limitCash to close
$98,666
20% down + closing costsMonthly payment
$2,355
30-yr at 6.75%What Makes Delaware Different
Delaware’s 4% transfer tax is among the highest in the country and is typically split 50/50 — the buyer’s 2% share is often the single largest government fee on the settlement statement. An attorney conducts the closing.
Delaware’s 4% transfer tax is typically split evenly between buyer and seller.
Local cost factors
Buyer-paid transfer tax
$7,922
Buyer half of the statewide estimate on the median homeClosing custom
Attorney closing
Delaware typically requires a closing attorneyHomeowners insurance
$1,300/yr
Typical premium scaled to the median-priced exampleExample loan vs. limit
Conforming
$316,880 loan at 20% downItemized Closing Cost Estimate
Assumes a $396,100 purchase with 20% down ($316,880 loan) at 6.75% for 30 years, a 0.58% property tax rate, and $1,300/year insurance. Transfer tax includes only the share buyers in Delaware customarily pay.
| Line Item | Category | Estimate |
|---|---|---|
| Loan Origination Fee (1% assumed) | Lender fees | $3,169 |
| Credit Report | Lender fees | $50 |
| Flood Certification | Lender fees | $20 |
| Underwriting Fee | Lender fees | $750 |
| Processing Fee | Lender fees | $500 |
| Appraisal | Third-party fees | $550 |
| Title Insurance | Third-party fees | $1,584 |
| Title Search | Third-party fees | $300 |
| Attorney Fee (Delaware) | Third-party fees | $1,000 |
| Survey (if required) | Third-party fees | $400 |
| Recording Fee | Government fees | $125 |
| Transfer Tax (Delaware est.) | Government fees | $7,922 |
| Prepaid Interest (15 days) | Prepaids & escrow | $879 |
| Prepaid Homeowners Insurance (1 year) | Prepaids & escrow | $1,300 |
| Escrow Prefund — Property Taxes (3 months) | Prepaids & escrow | $573 |
| Escrow Prefund — Insurance (3 months) | Prepaids & escrow | $324 |
| Total estimated closing costs | $19,446 |
What You'd Pay Each Month
On a median-priced Delaware home with 20% down, the full monthly payment is about $2,355: $2,055 in principal and interest, $191 in property taxes, and $108 in homeowners insurance. Taxes and insurance here add 15% on top of the loan payment itself.