How much are closing costs on a $400K house?

Buyer closing costs on a $400,000 house typically range from $12,000 to $24,000 (3-6% of the purchase price). The exact amount depends on your location, lender, and loan type.

Can sellers pay closing costs on a $400K house?

Yes. Sellers can contribute to buyer closing costs through seller concessions. Limits vary: conventional loans allow up to 3-9% depending on down payment, FHA allows up to 6%.

Closing Costs on a $400K House: What to Expect in 2026

Closing costs on a $400,000 house typically run $12,000 to $24,000 (3-6% of the purchase price). Here’s the complete breakdown.

Buyer Closing Costs Breakdown

Cost Type	Low Estimate	Typical	High Estimate
Loan origination fee (1%)	$3,200	$4,000	$4,000
Appraisal	$450	$600	$800
Credit report	$30	$50	$75
Title insurance	$950	$1,500	$2,200
Title search & exam	$250	$450	$700
Attorney fees	$500	$1,000	$1,500
Recording fees	$100	$175	$350
Survey	$350	$550	$850
Home inspection	$350	$500	$700
Escrow/title company fees	$500	$850	$1,400
Total fees	$6,680	$9,675	$12,575

Prepaid Items (Held in Escrow)

Item	Low Estimate	Typical	High Estimate
Property tax (3 months)	$600	$1,000	$2,000
Homeowners insurance (1 year)	$1,600	$2,800	$4,800
Prepaid interest (15 days)	$535	$1,100	$1,350
Total prepaids	$2,735	$4,900	$8,150

Total Cash Needed at Closing

Down Payment	Closing Costs	Total Cash Needed
3% ($12,000)	$14,575	$26,575
5% ($20,000)	$14,575	$34,575
10% ($40,000)	$14,575	$54,575
20% ($80,000)	$14,575	$94,575

Closing Costs by State (on $400K)

State	Avg. Closing Cost	% of Price
Missouri	$10,800	2.7%
Indiana	$11,600	2.9%
Texas	$16,800	4.2%
California	$19,200	4.8%
New York	$24,000	6.0%

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