Massachusetts Closing Costs Calculator
How much will closing costs run on your home sale or purchase?
Closing costs in Massachusetts run about 2 to 5 percent of the sale price for buyers, while sellers pay the Deed Excise Tax of $4.56 per $1,000 in most counties. Enter your numbers below for an itemized estimate.
Buying in New Hampshire or Maine? Use the dedicated New Hampshire closing costs calculator or Maine closing costs calculator.
State taxes: MA Deed Excise $4.56 per $1,000 in most counties (Barnstable County differs); NH Transfer Tax $0.75 per $100 each side, $20 minimum; ME Transfer Tax $2.20 per $500 split evenly plus $3.80 per $500 on value above $1,000,000 for transfers on or after November 1, 2025. Title insurance, attorney, recording, and inspection fees are estimates based on typical ranges in Massachusetts, NH, and Maine. Actual costs vary by transaction, lender, and chosen vendor. For your specific scenario, talk to GoldCoast.
How much are closing costs in Massachusetts?
For most Massachusetts buyers, closing costs run 2 to 5 percent of the sale price: title insurance, lender fees, prepaid escrows, attorney, recording, and inspection. Massachusetts sellers pay roughly 0.5 to 1 percent, dominated by the Deed Excise Tax of $4.56 per $1,000 of sale price in most counties. The calculator above itemizes your side of the transaction.
Closing costs vary by state and by side of the transaction
Massachusetts, New Hampshire, and Maine each handle the tax piece of a home sale differently. In Massachusetts the seller pays the Deed Excise Tax. In New Hampshire both sides split a 1.5% Transfer Tax. In Maine both sides split a $2.20-per-$500 transfer tax, plus a new additional tax on the portion of a sale above $1,000,000 (effective November 2025). Buying over the border? Use the dedicated New Hampshire closing costs calculator or Maine closing costs calculator for state-specific numbers.
What buyers also pay at closing
On top of the state transfer tax, buyers in all three states pay for title insurance (lender’s policy required, owner’s policy optional), attorney fees (Massachusetts and New Hampshire are attorney-closing states), recording fees, inspection, and prepaids for the property tax and homeowner insurance escrow accounts. Lender fees (origination, appraisal, credit report) round out the buyer’s side.
How to read your number
For most MA, NH, and Maine buyers, closing costs run 2 to 5 percent of the sale price. Sellers in MA pay roughly 0.5 to 1 percent (mostly Deed Excise Tax plus attorney and recording). The calculator above gives you a back-of-envelope total. For a precise Loan Estimate that a lender is bound by, you need to apply for a mortgage. Talk to GoldCoast for a real number on your scenario.
Related guides at GoldCoast
- All mortgage calculators: the full suite of tools
- Massachusetts mortgage calculators: MA-specific tools
- New Hampshire mortgage calculators: NH-specific tools
- Maine mortgage calculators: ME-specific tools
- PMI calculator: see what private mortgage insurance adds to your monthly payment
- New Hampshire closing costs calculator: the NH transfer-tax version of this tool
- Maine closing costs calculator: the Maine transfer-tax version of this tool
- First step to buying a home: start your conversation with GoldCoast