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Closing Costs in Louisiana (2026)
Buyers in Louisiana typically pay $5,064 to $12,660 in closing costs (2–5%) on a median-priced home of $253,200. Our itemized estimate: about $14,252 (5.6% of the price), plus a $50,640 down payment at 20% down.
Louisiana at a Glance
Median home price
$253,200
Estimated closing costs
$14,252
5.6% of priceProperty tax rate
0.52%
≈ $1,317/year2026 conforming loan limit
$832,750
2026 one-unit conforming limitCash to close
$64,892
20% down + closing costsMonthly payment
$1,865
30-yr at 6.75%What Makes Louisiana Different
Louisiana closings are conducted by a notary attorney and there is no state transfer tax. Homeowners insurance — especially wind/hail along the Gulf — is among the most expensive in the country and dominates prepaid items.
Louisiana closings are conducted by a notary attorney; there is no state transfer tax (New Orleans charges a flat fee).
Local cost factors
Buyer-paid transfer tax
None typical
Seller-paid or no state transfer taxClosing custom
Attorney closing
Louisiana typically requires a closing attorneyHomeowners insurance
$5,300/yr
Typical premium scaled to the median-priced exampleExample loan vs. limit
Conforming
$202,560 loan at 20% downItemized Closing Cost Estimate
Assumes a $253,200 purchase with 20% down ($202,560 loan) at 6.75% for 30 years, a 0.52% property tax rate, and $5,300/year insurance. Transfer tax includes only the share buyers in Louisiana customarily pay.
| Line Item | Category | Estimate |
|---|---|---|
| Loan Origination Fee (1% assumed) | Lender fees | $2,026 |
| 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 | $1,013 |
| Title Search | Third-party fees | $300 |
| Attorney Fee (Louisiana) | Third-party fees | $1,000 |
| Survey (if required) | Third-party fees | $400 |
| Recording Fee | Government fees | $125 |
| Prepaid Interest (15 days) | Prepaids & escrow | $562 |
| Prepaid Homeowners Insurance (1 year) | Prepaids & escrow | $5,300 |
| Escrow Prefund — Property Taxes (3 months) | Prepaids & escrow | $330 |
| Escrow Prefund — Insurance (3 months) | Prepaids & escrow | $1,326 |
| Total estimated closing costs | $14,252 |
What You'd Pay Each Month
On a median-priced Louisiana home with 20% down, the full monthly payment is about $1,865: $1,314 in principal and interest, $110 in property taxes, and $442 in homeowners insurance. Taxes and insurance here add 42% on top of the loan payment itself.