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Closing Costs in District of Columbia (2026)
Buyers in District of Columbia typically pay $18,400 to $46,000 in closing costs (2–5%) on a median-priced home of $920,000. Our itemized estimate: about $32,915 (3.6% of the price), plus a $184,000 down payment at 20% down.
District of Columbia at a Glance
Median home price
$920,000
Estimated closing costs
$32,915
3.6% of priceProperty tax rate
0.59%
≈ $5,428/year2026 conforming loan limit
$1,249,125
2026 one-unit conforming limitCash to close
$216,915
20% down + closing costsMonthly payment
$5,530
30-yr at 6.75%What Makes District of Columbia Different
The District is treated as a high-cost area for 2026 conforming loans (limit $1,249,125). Buyers pay recordation tax (1.1%, or 1.45% above $400K) while sellers pay a separate transfer tax, and closings run through attorneys.
DC recordation tax rises to 1.45% above $400,000; the seller pays a separate transfer tax.
Local cost factors
Buyer-paid transfer tax
$10,120
Statewide estimate on the median homeClosing custom
Attorney closing
District of Columbia typically requires a closing attorneyHomeowners insurance
$3,650/yr
Typical premium scaled to the median-priced exampleExample loan vs. limit
Conforming
$736,000 loan at 20% downItemized Closing Cost Estimate
Assumes a $920,000 purchase with 20% down ($736,000 loan) at 6.75% for 30 years, a 0.59% property tax rate, and $3,650/year insurance. Transfer tax includes only the share buyers in District of Columbia customarily pay.
| Line Item | Category | Estimate |
|---|---|---|
| Loan Origination Fee (1% assumed) | Lender fees | $7,360 |
| 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 | $3,680 |
| Title Search | Third-party fees | $300 |
| Attorney Fee (District of Columbia) | Third-party fees | $1,100 |
| Survey (if required) | Third-party fees | $400 |
| Recording Fee | Government fees | $125 |
| Transfer Tax (District of Columbia est.) | Government fees | $10,120 |
| Prepaid Interest (15 days) | Prepaids & escrow | $2,042 |
| Prepaid Homeowners Insurance (1 year) | Prepaids & escrow | $3,650 |
| Escrow Prefund — Property Taxes (3 months) | Prepaids & escrow | $1,356 |
| Escrow Prefund — Insurance (3 months) | Prepaids & escrow | $912 |
| Total estimated closing costs | $32,915 |
What You'd Pay Each Month
On a median-priced District of Columbia home with 20% down, the full monthly payment is about $5,530: $4,774 in principal and interest, $452 in property taxes, and $304 in homeowners insurance. Taxes and insurance here add 16% on top of the loan payment itself.