Last updated: 2026-04-25
Unsure if your lender’s recording fee is competitive? Run a Fair Loan Check.
Benchmarked against 54,009 real Minnesota mortgages.
| Range | Low | Typical | High | Flag Above |
|---|---|---|---|---|
| Recording Fee | $46 | $100 | $200 | $300 |
Based on Minnesota closing cost data. Median home price: $350,000.
Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.
Recording fees are charged by the county recorder's office to officially record the deed, mortgage (deed of trust), and other documents in public records. This makes your ownership and lender's lien a matter of public record. Recording fees appear in Section E of your Closing Disclosure.
Fees vary by county and are typically charged per document or per page. A typical closing involves recording two main documents — the deed and the deed of trust — for a combined cost of $50 to $400 depending on the county and document length.
This fee appears in Section E — Taxes and Other Government Fees of your Closing Disclosure.
The recording fee appears at two stages of the mortgage process — each with its own audit tool.
Before closing · Loan Estimate
Fair Loan Check
You received a Loan Estimate within 3 days of applying. Use this to check whether your recording fee and interest rate are competitive — before you commit to a lender.
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Analyze my Loan Estimate →3 days before closing · Closing Disclosure
Fair Closing Check
You received your Closing Disclosure 3 days before signing. Use this to audit every final fee — including the recording fee — against Minnesota benchmarks and get a negotiation email.
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Recording fees are set by county governments and are not negotiable. However, verify the amounts on your Closing Disclosure match the actual county fee schedule — overcharges do occur, particularly when title companies estimate rather than quote exact amounts.
Minnesota note
Hennepin County (Minneapolis): flat $46 per document regardless of page count (set by Minn. Stat. § 357.18). Additional fees in Hennepin: Agricultural Conservation fee $5.00 per transfer deed; Minnesota Conservation Fund $5.00 when deed or mortgage tax is paid; Well Disclosure Certificate $50 if applicable. A typical deed + deed of trust in Hennepin = approximately $92–$106 in document fees (plus deed and mortgage taxes collected at recording).
Upload your Closing Disclosure to see if your recording fee is fair
Every fee is cross-referenced against Minnesota benchmarks. Results in 60 seconds.
Recording fees exceed $400 for a standard residential purchase
Separate 'e-recording fee' or 'recording service fee' charged by the title company on top of the county fee
Fee is rounded to a suspiciously even number ($500, $750) rather than matching the county schedule
Recording fees changed significantly from the Loan Estimate without explanation
See these red flags on your CD? Don't sign yet.
Upload your Closing Disclosure and every line item is audited against Minnesota benchmarks — in 60 seconds.
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Recording fees range from $50 to $400 for a standard residential purchase, depending on the county. Most closings require recording a deed and a deed of trust — each document is charged separately.
No — recording fees are set by county government and are non-negotiable. But you should verify the amount on your Closing Disclosure matches the county's published fee schedule.
Each county sets its own fee schedule. Some charge per document, others per page. Some counties add surcharges for affordable housing funds or technology upgrades. The difference between a $75 county and a $350 county comes down to local ordinances.
You have 3 days to review your Closing Disclosure.
Federal law gives you 72 hours to push back before you sign. Every fee is cross-referenced against Minnesota benchmarks and the negotiation email is drafted for you.
Most buyers find $1,500–$3,000 in negotiable fees.
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