Average Closing Costs in Seattle, Washington (2026 Guide)
Homebuyers in Seattle typically pay $15,900 to $39,750 in closing costs on a $795,000 home — approximately 2.3% of the purchase price.
2026 Closing Cost Fee Breakdown
Based on $795,000 median home price in Seattle
| 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 | $15,900 – $39,750 |
Ranges are typical for a conventional purchase loan · Prepaid and escrow amounts vary by closing date and lender · Source: FairRate market data 2026
Washington Real Estate Laws That Affect Your Closing Costs
Washington State has a Real Estate Excise Tax with a graduated rate structure. King County has significantly higher home prices than the rest of the state. Washington has no state income tax.
Transfer Tax in Washington
Washington REET is graduated: 1.1% on first $525,000, 1.28% up to $1.525 million, 2.75% up to $3.025 million, and 3% above that.
First-Time Buyer Programs in Washington
Washington State Housing Finance Commission offers the Home Advantage and House Key programs with down payment assistance.
Income and purchase price limits apply. Contact your lender or your state housing finance agency for current program terms in Seattle.
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