Last updated: 2026-07-02
Average total closing costs
$4,200
Median home price
$235,000
Shopping lenders in West Virginia? Run a Fair Loan Check before you lock.
Benchmarked against 12,712 real West Virginia mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your West Virginia Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in West Virginia.
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 West Virginia buyers should know
West Virginia 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
WV real estate excise tax (WV Code § 11-22-2): $1.10 per $500 state portion + $0.55 per $500 base county portion = $1.65 per $500 total ($3.30 per $1,000) at typical combined rate. County maximum: $1.65/$500 county alone (combined max $2.75/$500 = $5.50/$1,000). Plus $20 flat Affordable Housing Fund fee per transfer.
Combined state + base county rate is $1.65/$500 ($3.30/$1,000) at most counties. The $20 Affordable Housing fee applies to all transfers. No changes to base rate in 2024/2025; only internal distribution changes. Seller (grantor) is primarily liable; if document recorded without payment, grantee becomes liable.
Closing-cost benchmarks from 9,910 verified West Virginia closing disclosures — typical lender median is $5,573.
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 West Virginia benchmarks — in 60 seconds.
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