State guide · VT
Closing costs in Vermont
On a median-priced Vermont home ($400,000), buyers typically bring $8,000–$20,000 to the closing table beyond the down payment — with Vermont's transfer tax and its attorney closing convention shaping where you land in that range.
Typical buyer costs
$8,000–$20,000
Transfer tax
1.45%
Closing style
attorney
What's inside the number: lender fees and any points (the part you can shop hardest), prepaid property taxes and homeowners insurance, title search and title insurance, attorney fees, recording fees, and the transfer tax. Vermont runs attorney closings: attorney state: closings customarily conducted by attorneys.
Vermont's transfer tax alone is roughly $5,800 on a median home — customarily paid by buyer. Details and local add-ons are on our Vermont transfer tax page.
The most effective ways to shrink the bill: shop three or more lenders and compare Section A of their Loan Estimates (see how to choose a lender), ask the seller for a closing credit as part of your offer, and shop the title agency where your state allows it. Line-item what to expect with the closing cost estimator.
Common questions
How much are closing costs in Vermont?
Buyers typically pay 2-5% of the purchase price — about $8,000 to $20,000 on a median-priced Vermont home ($400,000). The biggest swings come from lender fees and points, prepaid taxes and insurance, the transfer tax, and title costs.
Do I need an attorney to close on a home in Vermont?
Yes — Vermont is an attorney-closing state. Attorney state: closings customarily conducted by attorneys. Budget attorney fees (commonly several hundred to a couple thousand dollars) as part of your closing costs.
Who pays the transfer tax in Vermont?
Buyer. Property transfer tax of 1.45% (0.5% on the first $100K for a principal residence; a clean-water surcharge applies). Custom controls the default, but the purchase contract can move it — it's a negotiable line like everything else at the table.
Estimate your Vermont closing costs
A line-item estimate — lender fees, title and escrow, prepaids — so the number on closing day doesn't surprise you.
Open the closing cost estimatorRanges apply the typical national 2–5% of purchase price to Vermont's approximate median home value — a planning estimate, not a quote. Lender fees depend on your loan; your official Loan Estimate and Closing Disclosure are the real numbers.