Average Closing Costs in Savannah, Georgia (2026 Guide)
Homebuyers in Savannah typically pay $5,900 to $14,750 in closing costs on a $295,000 home — approximately 2% of the purchase price.
2026 Closing Cost Fee Breakdown
Based on $295,000 median home price in Savannah
| Fee | Typical Range | Negotiable? |
|---|---|---|
| Origination Fee | $500 – $2,500 | Yes |
| Underwriting Fee | $400 – $1,200 | Yes |
| Processing Fee | $300 – $900 | Yes |
| Appraisal Fee | $400 – $700 | No |
| Credit Report | $25 – $75 | No |
| Flood Certification | $10 – $50 | No |
| Lender's Title Insurance | $500 – $2,000 | No |
| Settlement Fee | $300 – $800 | Sometimes |
| Recording Fees | $50 – $250 | No |
| Prepaid Interest | Varies by rate | No |
| Property Tax Escrow | 2–3 months | No |
| Homeowners Insurance | 1–2 months | No |
| Estimated Total | $5,900 – $14,750 |
Ranges are typical for a conventional purchase loan · Prepaid and escrow amounts vary by closing date and lender · Source: FairRate market data 2026
Georgia Real Estate Laws That Affect Your Closing Costs
Georgia requires a real estate attorney to conduct and certify the closing. Georgia has an Intangibles Tax on long-term notes secured by real property at $1.50 per $500 of the loan amount.
Transfer Tax in Georgia
Georgia charges a Real Estate Transfer Tax of $1 per $1,000 of sale price.
Attorney Requirements in Georgia
Georgia law requires a licensed attorney to supervise all real estate closings. Fees typically run $500 to $1,000.
First-Time Buyer Programs in Georgia
Georgia Dream offers down payment assistance up to $10,000 and $12,500 for public protectors educators and healthcare workers.
Income and purchase price limits apply. Contact your lender or your state housing finance agency for current program terms in Savannah.
Which Fees Are Negotiable?
The fees in Section A of your Loan Estimate are set by the lender and are negotiable: origination, underwriting, and processing fees. Section B fees — appraisal, title, recording — are set by third parties and cannot be negotiated with the lender.
What to Do When You Get Your Loan Estimate
Your lender must provide a Loan Estimate within 3 business days of application. Check Section A fees against the ranges above, ask your lender to justify any fee above the typical range, and compare total closing costs across at least two lenders.
Get Your Fees Analyzed