Closing Costs on a $750K House: What to Expect in 2026
By Wealthvieu
·
Updated
Closing costs on a $750,000 house typically run $22,500 to $45,000 (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%) |
$6,000 |
$7,500 |
$7,500 |
| Appraisal |
$650 |
$900 |
$1,200 |
| Credit report |
$30 |
$50 |
$75 |
| Title insurance |
$1,600 |
$2,600 |
$4,000 |
| Title search & exam |
$400 |
$650 |
$1,000 |
| Attorney fees |
$800 |
$1,600 |
$2,500 |
| Recording fees |
$175 |
$275 |
$500 |
| Survey |
$500 |
$750 |
$1,100 |
| Home inspection |
$500 |
$700 |
$1,000 |
| Escrow/title company fees |
$800 |
$1,200 |
$2,000 |
| Total fees |
$11,455 |
$16,225 |
$20,875 |
Prepaid Items (Held in Escrow)
| Item |
Low Estimate |
Typical |
High Estimate |
| Property tax (3 months) |
$1,125 |
$1,875 |
$3,750 |
| Homeowners insurance (1 year) |
$3,000 |
$5,250 |
$9,000 |
| Prepaid interest (15 days) |
$1,000 |
$2,063 |
$2,525 |
| Total prepaids |
$5,125 |
$9,188 |
$15,275 |
Total Cash Needed at Closing
| Down Payment |
Closing Costs |
Total Cash Needed |
| 10% ($75,000) |
$25,413 |
$100,413 |
| 15% ($112,500) |
$25,413 |
$137,913 |
| 20% ($150,000) |
$25,413 |
$175,413 |
| 25% ($187,500) |
$25,413 |
$212,913 |
Closing Costs by State (on $750K)
| State |
Avg. Closing Cost |
% of Price |
| Missouri |
$20,250 |
2.7% |
| Indiana |
$21,750 |
2.9% |
| Texas |
$31,500 |
4.2% |
| California |
$36,000 |
4.8% |
| New York |
$45,000 |
6.0% |
Jumbo Loan Closing Cost Considerations
For homes in this price range, you may need a jumbo loan:
- Higher reserves required: 6-12 months of payments in savings
- Second appraisal possible: Some jumbo lenders require two appraisals
- Stricter documentation: Full income verification, multiple months of statements
- Lower LTV caps: May require larger down payment than conforming loans
