Average Closing Costs in Michigan (2026)
Michigan Closing Cost Laws & Requirements
Michigan has Transfer Tax at both state and county level. Michigan has a Principal Residence Exemption that reduces taxable value of a primary residence — buyers should file immediately after closing.
Transfer Tax
Michigan State Transfer Tax is $3.75 per $500. Counties add $0.55 per $500. Total combined rate is $4.30 per $500.
First-Time Buyer Programs in Michigan
MSHDA offers the MI Home Loan with down payment assistance up to $10,000.
Closing Costs by City in Michigan
| City | Typical Range | Avg % of Price |
|---|---|---|
| Detroit | $3,900 – $9,750 | 2.3% |
| Grand Rapids | $5,700 – $14,250 | 2.3% |
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