Georgia closing cost calculator
What buyers pay at closing in Atlanta, Savannah, Athens, and across Georgia.
Georgia charges an intangible recording tax of $1.50 per $500 of mortgage (0.3%) - that's $900 on a $300,000 loan. The state transfer tax is $1 per $1,000 of sale price and is paid by the seller. Atlanta-area buyers also need to budget for higher-than-average closing costs because of attorney-led closings (Georgia is an attorney-state).
Worked examples
Real numbers for common scenarios. These are estimates - your final closing disclosure will reflect the exact fees your specific loan and property require.
Scenario
$385,000 home in Atlanta, 10% down
Inputs
- Sale price
- $385,000
- Loan
- $346,500
Estimate
- Intangible recording tax
- $1,040
- Closing attorney
- $950
- Title insurance
- $1,400
- Lender fees
- $1,950
- Recording + escrow
- $3,200
- Estimated buyer closing costs
- $8,540
Run your own numbers
The calculator gives you the same itemized breakdown for any price, down payment, loan type, and location.
Open the calculatorFrequently asked questions
What is the Georgia intangible tax?+
Georgia charges $1.50 per $500 (or fraction thereof) of the mortgage amount as an intangible recording tax. On a $300,000 loan that's $900. It's paid by the buyer at closing and recorded with the deed.
Is Georgia an attorney closing state?+
Yes. Georgia requires a licensed attorney to conduct real estate closings. Attorney fees typically run $600-$1,200 in metro Atlanta and $400-$800 elsewhere. The attorney represents the lender by default - you can hire your own buyer's attorney but most don't.
All numbers shown are estimates for planning purposes. Closing costs, taxes, and fees vary by lender, title company, county, and individual transaction. LoanElk is not a lender, broker, or financial advisor. Your final Loan Estimate and Closing Disclosure are the authoritative figures.