What will you owe at the table?
Enter your numbersEstimate title insurance, recording fees, and our attorney fee for a Connecticut closing. Add your lender charges if you have them. Prepaid taxes and insurance are separate and aren’t included.
Your numbers
Everything above this is financed.
Enter lender and appraisal charges from your Loan Estimate. Leave out title, recording, and attorney fees already calculated here.
About these inputs
Uses our published base estimate. Enter your quoted fee if different.
Your closing-cost estimate
Enter a purchase price to see your estimate
Title, recording and the attorney fee, on real Connecticut closing costs.
Check your Loan Estimate and ask your closing team about these costs.
Down payment and coverage details
With your down payment, you’d bring roughly to the table for the costs above. Those come to of the price, which lands under the 2–5% rule of thumb precisely because that rule also counts the pieces named on the line above.
Both title policies are written at the same closing, so they’re priced as one. Adding owner’s coverage that way costs a fraction of buying it separately later.
Paying cash, so there’s no lender’s policy and no mortgage to record. Connecticut still requires an attorney.
Above $5,000,000 we don’t publish an estimate. Give us a call and we’ll work it out properly.
Your down payment is larger than the purchase price. Check the down payment field above and we’ll run the numbers.
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Questions about the numbers? Call (860) 603-2258.
This calculator needs JavaScript. The cost breakdown below covers the same ground.
These calculators produce estimates for general information, not legal advice. Every transaction is different. Reach out to talk through yours.
About this estimate
This uses our published base attorney fee estimate unless you enter a different amount. Your actual quote may differ. This is a partial estimate, not your final cash to close. Uses standard CATIC policies and assumes a three-page taxable deed plus an 18-page MERS or nominee mortgage when financed. Different documents or page counts change recording fees. Endorsements and closing protection letters are excluded. Lender charges are included only when you enter them. Prepaid taxes, insurance, escrow deposits, and a separate title-search charge are not included. Your settlement statement gives the final figures. These figures are Connecticut’s. Buying in Massachusetts or Rhode Island? Contact us about your closing.
Where the money actually goes.
Six buckets cover almost every line on a buyer’s settlement statement. Knowing which is which tells you where there’s room to shop and where there isn’t.
Origination, underwriting, the appraisal, and the credit pull. This is usually the largest cluster of buyer costs, and it varies more by lender than by anything else in the deal, which is why a loan estimate from two lenders can look genuinely different.
A review of the public land records covering at least forty years of the chain of title, the Connecticut standard. Billed separately from the attorney fee, at cost. It typically takes a week or less.
A lender's policy is required if you are financing. An owner's policy protects your own stake. Both are typically paid through a one-time premium at closing, priced off the purchase price and the loan amount.
What the town clerk charges to record the deed and the mortgage in the land records. Set by the town, not by us.
Property taxes and homeowner’s insurance your lender collects up front to seed the escrow account, plus interest from your closing date to the end of the month. Not a fee: money you were going to spend anyway, just collected early.
Our fee is a flat $1,050 for most residential closings, the same on a purchase or a sale. You will know the number before work begins and it will be documented in writing. It does not bundle the third-party costs above.
The attorney fee is ours and it is fixed. The title search, title insurance premium, and recording fees are third-party costs billed at what they cost. We don’t mark them up.
Where these numbers come from.
Most closing-cost calculators run on national averages. This one runs on what we actually charge and what Connecticut actually collects. For a plain-English walkthrough of each line, read our guide to Connecticut closing costs.
The calculator starts with our published $1,050 base attorney fee for most residential closings. Enter your quoted fee if different. Third-party costs like the title search, title insurance premium, and recording fees are billed separately, at cost.
Recording fees follow Connecticut’s statutory schedule. Seller transfer taxes are covered separately in our conveyance tax calculator, using CT DRS guidance and municipal records, including Stamford Resolution 3687 and West Haven’s 2021 council vote.
The 2% to 5% closing-cost range is a buyer figure. It excludes the down payment and the real estate commission, and a seller’s costs run differently, usually higher, because the commission is the largest single line.
Questions buyers ask us.
How much are closing costs in Connecticut?
For buyers, closing costs commonly land somewhere around 2% to 5% of the purchase price, not counting the down payment or the real estate commission. The range is wide because the biggest variables are your loan, your lender, and the town. Sellers are on a different footing entirely, since the commission and the conveyance tax sit on their side.
What is included in a buyer's closing costs?
Lender and loan charges, the title search, title insurance, recording fees at the town clerk, prepaid items your lender escrows such as taxes and homeowner's insurance, and your attorney fee. Our attorney fee is a flat $1,050 for most residential closings, and you will know it before work begins, in writing. Third-party costs like the title search, title insurance premium, and recording fees are billed separately at cost.
Do closing costs get paid at the closing or before?
Most are settled at the closing itself and appear on the settlement statement you review before you sign. A few items get paid earlier in the process, such as an appraisal or an inspection your lender orders up front.