Connecticut Closing Costs Explained: What Buyers and Sellers Should Expect

abbyandrews74
Aug 7, 2025
2 min read

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What Are Closing Costs in Connecticut?

Closing costs are the fees and expenses—beyond the home’s price—that both buyers and sellers pay to finalize a real estate transaction. In Connecticut, these costs can vary based on location, property type, and the professionals you hire.

At Tap2Close Legal, we help buyers and sellers avoid surprises with accurate, upfront estimates and full-service legal support.

👉 Need help with your closing? Contact us here.

Buyer Closing Costs in Connecticut

Buyers in CT typically pay 2%–5% of the purchase price in closing costs. Here’s a breakdown:

Typical Buyer Fees:

Lender Fees – Loan origination, underwriting, credit checks
Appraisal & Inspection Fees – Often required by lenders
Attorney Fees – Required in Connecticut for contract and title work
Title Search & Title Insurance – Protects against hidden claims
Recording Fees – Paid to the town to record the deed and mortgage
Prepaid Costs – Property taxes, interest, and insurance
Adjustments – For oil, HOA dues, or taxes already paid by the seller

💡 Example: On a $400,000 home, a buyer may pay $8,000–$20,000 in closing costs.

Seller Closing Costs in Connecticut

Sellers typically pay 6%–10% of the sales price, mostly due to agent commissions and taxes.

Typical Seller Fees:

Real Estate Agent Commission – 5%–6%, split between buyer and seller agents
Attorney Fees – For preparing the deed and overseeing the closing
State Conveyance Tax – Real estate transfer tax based on sales price
Municipal Conveyance Tax – Additional local tax, varies by town
Outstanding Liens or Judgments – Must be paid at closing
Final Utility Readings & Adjustments

Why Closing Costs Vary So Much in CT

Connecticut has 169 towns, each with different local recording fees and municipal tax rates. That means two homes with the same price can have very different closing costs.

Factors that Impact Your Final Numbers:

Location (city vs. suburb)
Property type (condo vs. single-family)
Loan program (FHA, VA, Conventional)
Whether you're buying or selling
The professionals you hire

Want to avoid surprises? Tap2Close Legal uses custom tools to give clients clear, accurate cash-to-close estimates before they even sign.

Why You Need a Real Estate Attorney in CT

In Connecticut, a real estate attorney is not optional—they’re legally required to close a transaction.

But at Tap2Close Legal, we go beyond what’s required.

Our Attorneys Help You:

Review your contract and explain the fine print
Flag unnecessary fees or errors in documents
Coordinate communication between lenders, agents, and title
Keep your closing on track and on time
Use tech tools to simplify the process (EMD uploads, real-time updates, cash-to-close calculator)

💡 Learn more: Why Choosing a Real Estate Lawyer in Connecticut Matters

✅ Key Takeaways

Buyers: Expect 2%–5% of the home price in closing costs
Sellers: Expect 6%–10%, largely due to commissions and taxes
Every town and transaction is different—work with an attorney who understands the local landscape
Tap2Close Legal helps buyers and sellers close with clarity, speed, and confidence