Average Closing Costs in Eugene, Oregon (2026 Guide)
Homebuyers in Eugene typically pay $7,900 to $19,750 in closing costs on a $395,000 home — approximately 1.8% of the purchase price.
2026 Closing Cost Fee Breakdown
Based on $395,000 median home price in Eugene
| 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 | $7,900 – $19,750 |
Ranges are typical for a conventional purchase loan · Prepaid and escrow amounts vary by closing date and lender · Source: FairRate market data 2026
Oregon Real Estate Laws That Affect Your Closing Costs
Oregon does not have a sales tax but has relatively high income taxes. Oregon uses title companies for closings. Washington County and Clackamas County have their own transfer taxes.
First-Time Buyer Programs in Oregon
Oregon Housing and Community Services offers the Oregon Bond Residential Loan program.
Income and purchase price limits apply. Contact your lender or your state housing finance agency for current program terms in Eugene.
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