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How much are closing costs in Seattle in 2026, and how much can I expect to pay on buying a house? These are common questions among home buyers and mortgage shoppers. Here’s what you need to know about this topic.
When you buy a home in Seattle or anywhere else in Washington state, there’s a lot more than just your mortgage payments that you will have to pay.
There are also a number of other costs associated with buying a home, which are referred to as ‘closing costs’. The question is, what do these costs involve, and how much can you expect to pay?
Home buyers in Seattle (and elsewhere in Washington) typically pay somewhere between 2% and 5% of the purchase price of the house in closing fees. That means that a more expensive house could result in higher closing costs, and vice versa.
According to Zillow, the median home price in Seattle as of January 2026 was $837,800. So, the buyer closing costs on a median-priced property in the city could range from $16,756 to $41,890.
Related: Seattle home price forecast
In Washington State, closing costs are a bit lower because the average home price statewide is lower than Seattle. Currently, the average home price in WA is $587,696. Based on this figure, the range of closing costs (based on 2% to 5% of the home price) in WA State would be $11,753 to $29,384.
There are several variables that can affect how much you’ll pay in closing costs in Seattle. Will you pay points at closing, in exchange for a lower mortgage rate? It’s a common strategy among borrowers who are seeking the lowest possible rate. And it’s one of many factors that can affect the total amount you pay on closing day.
Most Seattle mortgage lenders will give you a basic estimate of your Seattle closing costs. We go a step further by providing guaranteed closing costs. We not only guarantee the lender fees, but the third-party fees as well. This will give you a more accurate picture of your total costs, and will help you prepare for closing day by saving enough money.
Closing costs for Seattle home buyers can include a wide variety of fees and charges. Mortgage fees are part of them, but there are third-party fees as well. That’s why it’s important to get a list of your total closing costs when shopping for a loan, as opposed to just the lender’s fees.
This is just a partial list of some of the more common closing costs for home buyers in Seattle, Washington. Additional fees and changes might apply in some situations.
Are you curious about closing costs in Seattle or are ready to apply for a mortgage, we’d love to help. We are Sammamish Mortgage, and we’re a local, family-owned company based in Seattle & Bellevue, Washington. We have been helping home buyers in Seattle with their mortgage financing since 1992 and currently lend in WA, OR, CO, ID, and CA. We offer a wide variety of mortgage programs and products with flexible qualification criteria, and provide several handy tools, like our online mortgage calculator. Contact us today to get a specific rate quote and find out about closing costs, or get pre-approved and start the mortgage process today!
Whether you’re buying a home or ready to refinance, our professionals can help.
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No Obligation and transparency 24/7. Instantly compare live rates and costs from our network of lenders across the country. Real-time accurate rates and closing costs for a variety of loan programs custom to your specific situation.
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