Last updated: 2026-07-02
Average total closing costs
$13,200
Median home price
$600,000
Shopping lenders in Massachusetts? Run a Fair Loan Check before you lock.
Benchmarked against 46,829 real Massachusetts mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your Massachusetts Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in Massachusetts.
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 Massachusetts buyers should know
Massachusetts 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
Massachusetts deed stamps (excise tax): $2.28 per $500 of purchase price ($4.56 per $1,000) statewide. Barnstable County (Cape Cod): $3.24 per $500 ($6.48 per $1,000) — higher rate established by county legislation. Paid by seller.
Transfer tax (deed stamps) is paid by the seller by statute in MA. Barnstable County's current rate is $3.24/$500 — note that older sources incorrectly cite $2.85/$500 (a pre-1992 historical rate that no longer applies). Always verify Barnstable County closings against the current registry fee schedule.
Closing-cost benchmarks from 33,170 verified Massachusetts closing disclosures — typical lender median is $5,503.
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 Massachusetts benchmarks — in 60 seconds.
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