Last updated: 2026-07-02
Average total closing costs
$3,200
Median home price
$235,000
Shopping lenders in Iowa? Run a Fair Loan Check before you lock.
Benchmarked against 29,193 real Iowa mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your Iowa Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in Iowa.
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 Iowa buyers should know
Iowa 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
$0.80 per $500 of consideration (equivalent to $1.60 per $1,000). First $500 of consideration is exempt.
The tax is calculated in $500 increments. Revenue is split: county retains 17.25% for its general fund; state receives 82.75%, distributed among Housing Trust Fund (30%, capped at $3M/year), Shelter Assistance Fund (5%), and State General Fund (65% plus overflow). Iowa's rate is among the lowest in the nation. Numerous exemptions exist including spousal/parent-child transfers without consideration, dissolution of marriage decrees, transfers to heirs or trust beneficiaries without consideration, and deeds where total consideration is $500 or less.
Closing-cost benchmarks from 24,737 verified Iowa closing disclosures — typical lender median is $2,523.
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.
Upload your Closing Disclosure and every line item is audited against Iowa benchmarks — in 60 seconds.
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