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Average closing costs by state

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Bankrate.com researchers gathered closing-cost data from 7 to 10 lenders in all states and the District of Columbia. Click a state for a fee-by-fee breakdown of the average closing costs for a mortgage.

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The states with the highest closing costs in 2016 were Hawaii, New York and North Carolina. The states with the lowest closing costs were Pennsylvania, Wisconsin and Kentucky.

What are the closing costs in your state?

Click a state for a fee-by-fee breakdown of the average closing costs for a mortgage. You can also click on the map's legend to highlight states by category.

Source: Bankrate.com's 2016 Closing Costs Survey

Bankrate.com surveyed up to 10 lenders in each state in June 2016 and obtained Loan Estimates online for a $200,000 mortgage to buy a single-family home with a 20% down payment in a large city in that state. Costs include fees charged by lenders, as well as 3rd-party fees for services such as appraisals and credit reports. The survey excludes points, title insurance, title search, taxes, property insurance, association fees, interest and other prepaid items. Those items can cost a lot in total, but they are so local and variable that they are not included in Bankrate's survey.

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