Last updated: 2026-07-02
Average total closing costs
$14,200
Median home price
$375,000
Shopping lenders in Delaware? Run a Fair Loan Check before you lock.
Benchmarked against 10,397 real Delaware mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your Delaware Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in Delaware.
Origination Fee
Negotiable · Section A
Processing Fee
Negotiable · Section A
Underwriting Fee
Negotiable · Section A
Title Insurance
Negotiable · Section C
Appraisal Fee
Non-negotiable · Section B
Recording Fee
Non-negotiable · Section E
Transfer Tax
Non-negotiable · Section E
Attorney Fee
Negotiable · Section C
Courier Fee
Negotiable · Section H
Credit Report Fee
Non-negotiable · Section B
Flood Certification Fee
Non-negotiable · Section B
Tax Service Fee
Non-negotiable · Section B
Wire Transfer Fee
Negotiable · Section H
Document Preparation Fee
Negotiable · Section A
Things Delaware buyers should know
Delaware layers county or city transfer taxes on top of the state rate. The combined burden varies by jurisdiction — confirm the exact rate that applies to your property address before signing.
How the layered rate is calculated
Delaware realty transfer tax (30 Del. C. Chapter 54): State 2.5% + county 1.5% = 4.0% combined. Split equally — buyer pays 2%, seller pays 2% (each pays half of 4%). First-time homebuyer (FTHB) reduction (30 Del. C. § 5402(c)): the buyer's transfer-tax portion is reduced by 0.5% on the lesser of property value or $400,000 — the FTHB buyer pays 1.5% instead of 2% on the first $400,000, a maximum saving of $2,000 (eff. August 1, 2017). All three counties (New Castle, Kent, Sussex) impose 1.5% county rate.
Delaware's combined 4.0% rate is among the highest in the nation and the primary driver of high closing costs. Grantor bears the burden absent agreement; by custom split 50/50. The FTHB reduction lowers the buyer's rate by 0.5% on the first $400K — saving about $1,875 on a $375K purchase (capped at $2,000). Both New Castle County and Kent County confirmed at 1.5% county rate. Sussex County also 1.5%. State rate is 2.5% because local levy is ≥ 1.5% (if local were < 1.5%, state rate would be 3.0%).
Closing-cost benchmarks from 8,652 verified Delaware closing disclosures — typical lender median is $6,328.
Many of the fees listed above also appear on your Loan Estimate, the document your lender must provide within 3 business days of your application. Pay close attention to the origination fee, the most negotiable lender-charged item and often the biggest variable between competing quotes. Comparing Loan Estimates from multiple lenders is the single best way to reduce what you pay at closing. Check if your Loan Estimate fees are competitive →
Got your CD? See which of these fees are overpriced.
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Nearby states: Maryland · New Jersey · Pennsylvania
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