Montana · closing costs
Montana Closing Cost Calculator
Estimate closing costs for a home purchase or sale in Montana, with the state’s transfer tax built in — for both buyers and sellers.
Closing costs in Montana
In Montana, a buyer’s closing costs typically run 2%–5% of the price and a seller’s 6%–10% (mostly the agent commission). Montana has no statewide real-estate transfer tax, so a sale skips that line item — though local recording fees still apply. Enter your price below and switch between buyer and seller for an itemized Montana estimate.
No statewide transfer tax
Sets the loan amount ($320,000).
Estimated closing costs
$7,600
about 1.9% of the price
- Loan origination (0.5% of loan)
- $1,600
- Appraisal fee
- $500
- Home inspection
- $400
- Lender's title insurance (0.5% of loan)
- $1,600
- Owner's title insurance (0.5% of price)
- $2,000
- Settlement / escrow fee
- $800
- Credit report & processing
- $150
- Recording & government fees
- $150
- Survey
- $400
- Total closing costs
- $7,600
Cash to close$87,600.00
Down payment $80,000+ closing costs. Excludes prepaids (escrow & prepaid interest).
How closing costs work in Montana
The buyer’s costs in Montana are driven by the mortgage — origination, appraisal, and lender’s title insurance — plus settlement and recording fees. The seller’s are led by the agent commission, then owner’s title, settlement, and (in most states) a transfer tax, which Montana does not charge. Local county and city fees vary within Montana, so use this as a planning estimate.
Transfer tax by state
How Montana compares to every other state and DC, with the transfer tax on a $400,000 sale.
| State | Transfer tax | Tax on $400,000 |
|---|---|---|
| Alabama | 0.1% | $400 |
| Alaska | None | — |
| Arizona | None | — |
| Arkansas | 0.33% | $1,320 |
| California | 0.11% | $440 |
| Colorado | 0.01% | $40 |
| Connecticut | 1.25% | $5,000 |
| Delaware | 2% | $8,000 |
| Florida | 0.7% | $2,800 |
| Georgia | 0.1% | $400 |
| Hawaii | 0.15% | $600 |
| Idaho | None | — |
| Illinois | 0.15% | $600 |
| Indiana | None | — |
| Iowa | 0.16% | $640 |
| Kansas | None | — |
| Kentucky | 0.1% | $400 |
| Louisiana | None | — |
| Maine | 0.44% | $1,760 |
| Maryland | 1% | $4,000 |
| Massachusetts | 0.46% | $1,824 |
| Michigan | 0.86% | $3,440 |
| Minnesota | 0.33% | $1,320 |
| Mississippi | None | — |
| Missouri | None | — |
| Montana | None | — |
| Nebraska | 0.22% | $900 |
| Nevada | 0.5% | $2,000 |
| New Hampshire | 1.5% | $6,000 |
| New Jersey | 1% | $4,000 |
| New Mexico | None | — |
| New York | 0.4% | $1,600 |
| North Carolina | 0.2% | $800 |
| North Dakota | None | — |
| Ohio | 0.15% | $600 |
| Oklahoma | 0.15% | $600 |
| Oregon | 0.1% | $400 |
| Pennsylvania | 2% | $8,000 |
| Rhode Island | 0.46% | $1,840 |
| South Carolina | 0.37% | $1,480 |
| South Dakota | 0.1% | $400 |
| Tennessee | 0.37% | $1,480 |
| Texas | None | — |
| Utah | None | — |
| Vermont | 1.25% | $5,000 |
| Virginia | 0.33% | $1,320 |
| Washington | 1.28% | $5,120 |
| West Virginia | 0.22% | $880 |
| Wisconsin | 0.3% | $1,200 |
| Wyoming | None | — |
| District of Columbia | 1.1% | $4,400 |
Frequently asked questions
What are typical closing costs in Montana?+
In Montana, a buyer's closing costs usually run 2%–5% of the price and a seller's 6%–10%, mostly the agent commission. Montana has no statewide real-estate transfer tax, which keeps closing costs a little lower than in states that do. Enter your sale price above and switch between buyer and seller for an itemized Montana estimate.
How much are closing costs?+
For buyers, closing costs typically run 2%–5% of the home price — on a $400,000 home that's about $8,000–$20,000, most of it lender and title fees. For sellers, closing costs are usually 6%–10% of the price because they include the real-estate agent commission (about 5%–6%) plus title, settlement, and any state transfer tax. Enter your price above and switch between buyer and seller for a full itemized estimate.
Who pays closing costs, the buyer or the seller?+
Both do — but they pay different things. The buyer pays the lender's fees (origination, appraisal, credit report), title insurance, and prepaids; the seller pays the agent commission and, in most states, the transfer tax and owner's title policy. Many of these are negotiable, and buyers sometimes ask the seller for a 'closing cost credit' to cover part of their side.
How much are closing costs for a buyer?+
A buyer's closing costs are usually 2%–5% of the purchase price, driven by the loan: origination is about 0.5%–1% of the loan amount, lender's title insurance about 0.5%, plus an appraisal ($300–$600), inspection, settlement/escrow fee, recording, and a survey. Add prepaids (property-tax and insurance escrow, prepaid interest) and you get your total cash to close.
How much are closing costs for a seller?+
A seller's closing costs typically total 6%–10% of the sale price. The real-estate agent commission (about 5%–6%, split between the buyer's and seller's agents) is by far the largest piece. On top of that come owner's title insurance, a settlement or attorney fee, deed recording, and — in about two-thirds of states — a transfer or conveyance tax.
What is 'cash to close'?+
Cash to close is the total amount a buyer must bring to the closing table: the down payment plus closing costs (and prepaids), minus any deposit already paid and any seller or lender credits. This calculator's buyer mode adds your down payment to the itemized closing costs to show that figure.
Are these closing-cost estimates exact?+
No — treat them as planning estimates. Lender fees, title quotes, and agent commissions are negotiable and vary by company, and transfer tax varies by county and city within a state. Your lender's Loan Estimate (issued within three days of applying) and the final settlement statement are the authoritative numbers.
Buying in Montana? See buyer closing costs and cash to close · seller costs and net proceeds.
Transfer tax and fees vary by county and city within Montana and are negotiable — treat these as close estimates and verify with your lender’s Loan Estimate and closing agent.