State-by-state closing-cost itemization for buyer + seller. Transfer tax (WA 1.28%, NJ 1%, NY mansion tax), ALTA title insurance, lender fees, attorney (NY/MA/IL).
Closing costs are the line items both sides actually pay on transfer day, itemized on the buyer's Loan Estimate and the seller's Settlement Statement. Buyers typically owe 2-5% of price (lender fees, prepaid escrow, owner's title). Sellers typically owe 6-10% (agent commission dominates). This calculator itemizes both sides by state.
New York, Massachusetts, and Illinois legally require an attorney at closing — typical $800-$2,500. California, Texas, Florida, Washington, Arizona, and Colorado do not.