What will you owe at the table?
Run the numbers before you write the offer, not after. This estimates the cash you’ll need at a Connecticut closing: lender charges, title, recording, prepaids, and the attorney fee.
- No signup to use it
- Built on real CT closing costs
- Flat $1,050 fee, most residential closings
Everything above this is financed.
Origination, underwriting, appraisal. Add sections A–C from your Loan Estimate and we’ll fold them in.
What you’ll need at closing
Enter a purchase price to see your estimate
Title, recording and the attorney fee, on real Connecticut closing costs.
Your Loan Estimate has those numbers.
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.
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.
Paying cash, so there’s no lender’s policy and no mortgage to record. Connecticut still requires an attorney.
Email me this closing cost estimateThis 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.
Estimates only, and they leave out lender charges and prepaid escrow, which vary by lender and by town. Connecticut conveyance tax per CGS §12-494; recording fees per CGS §7-34a as amended by PA 18-136; title premiums measured against CATIC’s own premium calculator. Lender charges are not included. They vary more by lender than by anything else in the deal. Your settlement statement is the number that counts, and you’ll see it before you sign. These figures are Connecticut’s. Buying in Massachusetts? Give us a call and we’ll run your numbers by hand.
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 is optional and protects your own stake. Both are one-time premiums paid 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 $1,050 in this estimate is our real flat fee for most residential closings, put in writing before work begins. It is not an industry average. Third-party costs like the title search, title insurance premium, and recording fees are billed separately, at cost.
Conveyance tax rates come from the CT General Assembly’s published brackets and municipal table: the same sources behind our conveyance tax calculator.
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.
Want this checked against your actual contract?
Send the numbers over and we’ll tell you what the estimate missed. No charge, and no obligation to hire us.
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- We read what you sent. It goes to the intake team, and one of them owns it.
- We call or email you back within one business day.
- We tell you what comes next, and you decide from there with no obligation.
While you wait
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