Ask Rob · Mortgages and Financing
What are typical closing costs?
The Short Answer
What are typical closing costs?
Plan on roughly 2 to 4 percent of the purchase price in closing costs, plus prepaids such as property taxes and homeowners insurance. Georgia closings run through an attorney settlement, which is standard practice in the state. Your lender must give you a Loan Estimate with the itemized numbers within three business days of your application, and that estimate is the planning document.
Rob's Explanation
Closing costs sit on top of the down payment, which is why first-time budgets usually separate the two.
The Loan Estimate is where the real numbers live; the line items, not the percentage, are the budget. The exact figure comes from the estimate after you apply, not from a website.
What This Means in Georgia
Georgia real estate closings are attorney-driven: the settlement runs through a licensed attorney, and the costs appear itemized on the closing disclosure, which is standard practice across the state.
What I Would Consider
Ask the lender for the Loan Estimate early and read the line items before the search, so the all-in number, not the list price, drives what you look at.
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About This Answer
- Answered by
- Rob Dietrich, REALTOR | eXp Realty
- Georgia license
- Real Estate License #384162
- Date published
- September 6, 2026
- Last reviewed / updated
- September 6, 2026
Answers are general guidance, not legal, tax or lending advice. Brokerage services are provided through eXp Realty, LLC. Information is believed accurate but not guaranteed and is subject to change.
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