Closing costs in Delaware
On a $500,000 home with 20% down, buyers in Delaware typically pay about $17,675 to $29,083 at closing, including prepaid taxes and insurance.
Typical buyer total3.5%–5.8%Of the price, 20% down
Closings handled byAn attorneyBuyers usually hire their own
Buyer-paid taxes1See below
Buyer-paid taxes
| Tax | On $500,000 with 20% down | Note |
|---|---|---|
| Realty transfer tax (buyer’s half) | $8,750 – $10,000 | Delaware’s combined rate is up to 4% (state plus county or town), split equally between buyer and seller by statute. |
Estimated closing costs by price
| Price | Loan | Closing costs | Share of price |
|---|---|---|---|
| $300,000 | Conventional, 20% down | $12,345 – $21,130 | 4.1%–7.0% |
| $300,000 | FHA, 3.5% down | $12,619 – $21,893 | 4.2%–7.3% |
| $500,000 | Conventional, 20% down | $17,675 – $29,083 | 3.5%–5.8% |
| $500,000 | FHA, 3.5% down | $18,132 – $30,355 | 3.6%–6.1% |
| $750,000 | Conventional, 20% down | $24,338 – $39,025 | 3.2%–5.2% |
| $750,000 | FHA, 3.5% down | $25,023 – $40,933 | 3.3%–5.5% |
Who pays what in Delaware
Delaware’s realty transfer tax is split equally between buyer and seller.
Questions
How much are closing costs for buyers in Delaware?
Often about 3.5% to 5.8% of the price with 20% down, including prepaid taxes and insurance.
Do buyers pay transfer tax in Delaware?
Buyers typically pay: Realty transfer tax.
More for Delaware
Sources: Delaware Code Title 30 §5402 (realty transfer tax). Fees are typical ranges, not quotes; your Loan Estimate lists the actual costs.