Closing Costs on a Four Hundred Thousand Dollar House
See the planning range and what it covers.
Direct answer
On a $400,000 house, buyers often plan for closing costs between $8,000 and $12,000. This is a planning range, not a quote. It comes from budgeting 2% to 3% of the price. It is separate from your down payment. Your Loan Estimate will show your real costs.
Your $400,000 Closing Cost Range
Two percent of $400,000 is $8,000. Three percent is $12,000. So your planning range is $8,000 to $12,000. This range does not include your down payment. Your down payment is a separate cost you pay on top of it.
Keep some extra cash above this range. Costs can shift late. Prepaid interest or insurance reserves can change your total. See our full Washington closing cost guide for more, or book a Real Estate Review to plan your reserves.
What the estimate includes
Loan and lender fees
Lender fees may include application, origination, underwriting, processing, verification, and rate-lock charges. An appraisal fee is common too.
Title, escrow, and recording
Buyer costs may include lender's title insurance, escrow or settlement fees, and recording fees.
Prepaid and reserve items
You may prepay interest and six to twelve months of homeowners insurance. Your lender may also collect tax and insurance reserves.
What changes the final number
Your final cost depends on your loan, the property, your address, your lender, your closing date, and any credits you negotiate. No two $400,000 purchases cost the same.
Your Loan Estimate shows which services you can shop, like title insurance or escrow. Lender credits may lower your closing costs. They may come with a higher rate. See how to calculate closing costs for the full method.
Calculate your cash to close
Your cash to close is your down payment plus closing costs. Subtract any deposit you paid, seller credits, and other adjustments. Use the calculator below to find your full estimate for a $400,000 purchase.
Open the Washington closing cost calculator
Before you sign
Your Loan Estimate
Your Loan Estimate lists your origination charges. It shows which services you can shop. Review it early. It helps you know your costs before you commit to a $400,000 purchase.
Your Closing Disclosure
Your lender must give you the Closing Disclosure three business days before your scheduled closing. Compare it to your Loan Estimate. Look for any changes.
Washington transaction math
Washington Closing Cost Calculator
Enter your own numbers. Every field is a starting estimate you can edit. Rate, property tax, and insurance stay blank until you enter them, because we never guess your numbers.
Questions
Clear answers first. If one question changes the deal, bring it into the review before you move money.
What is the closing cost range for a $400,000 house in Washington?+
Buyers often plan for 2% to 3% of the price. That is $8,000 to $12,000 on a $400,000 house. This is a planning range, not a quote. Your Loan Estimate shows your exact costs.
Do buyers pay real estate excise tax on a $400,000 house?+
Washington's Department of Revenue says the seller usually pays real estate excise tax. If the seller does not pay it, the buyer becomes responsible. Check your purchase contract to confirm.
Is the down payment part of the $8,000 to $12,000 range?+
No. That range covers closing costs only. Your down payment is a separate cost. You pay it in addition to closing costs on your $400,000 purchase.
What could push my costs above $12,000?+
Your lender, loan type, title provider, closing date, and any credits can change your final number. Ask your lender which of your costs may run higher.
How do I get an exact closing cost number for my $400,000 purchase?+
Ask your lender for a Loan Estimate for your address and closing date. You can also use our calculator or book a Real Estate Review to plan your budget.
Next step
A $400,000 purchase is easier to plan when you know your full cash needs. Compare this to a $300,000 home if you are weighing price points, and browse Eastside homes while you plan. Book a Real Estate Review to map your down payment, reserves, and closing costs together.
Book a Real Estate ReviewNext steps
Keep moving forward
Washington Buyer Closing Costs Explained
Washington buyers often plan for 2% to 3% of the purchase price in closing costs. See what's included and how to check your Loan Estimate.
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