Last updated: 2026-07-02
Average total closing costs
$5,600
Median home price
$340,000
Shopping lenders in South Carolina? Run a Fair Loan Check before you lock.
Benchmarked against 67,664 real South Carolina mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your South Carolina Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in South Carolina.
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 South Carolina buyers should know
South Carolina 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
South Carolina deed recording fee: $1.85 per $500 of purchase price ($3.70 per $1,000). State portion: $1.30/$500; county portion: $0.55/$500.
SC Code § 12-24-10. Rate unchanged; no 2024/2025 amendments. Primary liability is on the grantor (seller); grantee (buyer) is secondarily liable. No first-time homebuyer exemption exists in § 12-24-40. Exemptions include transfers ≤$100 in value, government transfers, IRC § 1041 spousal transfers, partition deeds without consideration, and corrective/quitclaim deeds confirming already-vested title. Governed by SC Revenue Ruling #24-1 (January 2024), which supersedes RR #17-5.
Closing-cost benchmarks from 40,766 verified South Carolina closing disclosures — typical lender median is $6,293.
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 South Carolina benchmarks — in 60 seconds.
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Nearby states: Georgia · North Carolina
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