Closing-Cost Estimator (WA)
Cash-to-close is more than the down payment. Put a real number on the extras before escrow does.
Financing and Mortgage
What this article helps you decide
> Washington closing costs have local specifics - notably the graduated REET sellers pay. Estimate the full picture so buyer cash-to-close or seller net proceeds match reality.
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Closing-Cost Estimator (WA)
Use the worksheet without a form. Keep your notes in this browser, then bring the live facts into a Real Estate Review if the decision still matters.
Questions about Closing-Cost Estimator (WA)
Clear answers first. If one question changes the deal, bring it into the review before you move money.
Q1What should a buyer budget for closing costs beyond the down payment?+
Plan about 2–4% of the price for lender fees, appraisal, title and escrow, prepaids, and recording — confirmed against the Loan Estimate. Cash-to-close is the down payment plus this, so size both before you write.
Q2What's REET and who pays it?+
Washington's Real Estate Excise Tax is a graduated transfer tax the seller pays at sale. It rises in brackets with price, so on a high-value home it's a significant line — the one sellers most often forget when estimating net proceeds.
Q3How do I estimate my net proceeds as a seller?+
Price minus mortgage payoff minus costs (commissions, REET, title and escrow, any concessions). REET and concessions are the swing items; confirm the current REET bracket for your price before you count on a number.
Q4Are closing costs negotiable or fixed?+
Some are shoppable (title, escrow, certain lender fees) and some aren't (recording, government charges). The Loan Estimate breaks them out, and comparing estimates across lenders is where buyers actually save.
Q5Do buyer closing costs scale with price the way the down payment does?+
Partly. Percentage-based items (title, some lender fees, prepaids) scale; flat fees don't. That's why the 2–4% range trends toward the low end on higher-priced homes — verify with your specific Loan Estimate.
Q6I want an exact number, not a range — what next?+
A precise net sheet (seller) or cash-to-close worksheet (buyer) built on your actual price, payoff, and quotes. That's standard in a Real Estate Review.
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Want a precise net sheet for your Eastside home? That's standard in a Real Estate Review.
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