Georgia Closing Costs: What Home Buyers Should Expect

Closing costs are the fees and prepaid items you pay to finalize your home purchase, on top of your down payment. In Georgia they include a few state-specific items, like a closing attorney and the intangible tax on your loan. Avalon gives you a clear estimate up front, so you can plan your cash to close before you make an offer. Whether you’re buying in Alpharetta, Atlanta or anywhere in Georgia, here’s what to expect.

What’s included in closing costs?

• Lender costs: things like underwriting and processing
• Third-party costs: appraisal, credit report, survey and title insurance
• Prepaid items: homeowners insurance and property taxes held in escrow, plus prepaid interest
• Government fees: recording fees and Georgia taxes

What’s different in Georgia?

A closing attorney handles your closing

In Georgia, a real estate attorney conducts the closing. Their fee is part of your closing costs.

Georgia intangible recording tax

Georgia charges a tax on new mortgages: $1.50 for every $500 you borrow. For example, a $400,000 loan carries a $1,200 intangible tax. Buyers usually pay this one.

Georgia transfer tax

Georgia also charges $1 for every $1,000 of the sale price when a property changes hands. Sellers usually pay this, but it can be negotiated.

Can I lower my closing costs?

Often, yes. Depending on your loan and contract, options can include asking the seller to contribute, using lender credits, or comparing lender fees. That last one is where Avalon shines. With 130+ lenders, we can compare costs for you instead of you settling for one lender’s fees.

When will I know my exact costs?

Still figuring out your budget? Start with how much house you can afford.

Within three business days of applying, you’ll get an official Loan Estimate that lists your costs. We’ll walk through it with you line by line, so you know what to expect at the closing table.

Frequently asked questions

Who pays closing costs in Georgia?

Buyers and sellers each pay certain costs. Buyers usually pay lender costs and the intangible tax; sellers usually pay the transfer tax. Your contract can shift some costs.

Can closing costs be rolled into my loan?

On a purchase, usually not directly, but seller contributions and lender credits can help cover them. We’ll show you the options.

Do I need a lawyer to close in Georgia?

Yes. Georgia closings are conducted by a licensed attorney.