The Closing Cost Number Most Ohio Buyers Underestimate


Down payments get all the attention, but closing costs are the number that catches a lot of buyers off guard. In Ohio, expect to pay roughly 2% to 5% of the purchase price — on a $250,000 home, that's $5,000 to $12,500 on top of your down payment.

That total covers loan origination fees, an appraisal, title search and insurance, Ohio's conveyance fee, recording fees, and prepaid taxes and insurance. Buyers typically cover most of these, while sellers usually handle the conveyance fee and may agree to contribute toward a buyer's costs as part of negotiations — a common ask in today's market.

When a direct credit request doesn't work, restructuring the offer to build costs into the purchase price is another option worth exploring with an experienced agent.

Read the full breakdown, including how to prepare ahead of closing day, in the full post: Understanding Closing Costs When Buying a Home in Ohio

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