Closing Costs in North Dakota (2026): What You'll Pay at the Table

What's Included in North Dakota Closing Costs

Breakdown on a $268,100 purchase with 6.4% rate

Estimates based on $268,100 purchase. Actual costs vary by lender, county, and loan type.

Closing Costs Calculator — North Dakota

Pre-loaded with North Dakota's transfer tax rate and median purchase price of $268,100

North Dakota Real Estate Transfer Tax

North Dakota has no state transfer tax — a meaningful closing cost advantage

Source: North Dakota revenue authority

Attorney at Closing: Not Required in North Dakota

Estimated Closing Costs by City in North Dakota

Based on each city's median price and North Dakota's closing cost rates

APR Calculator — True Cost of Your Loan

APR folds in closing costs so you can compare loans with different fee structures. Pre-loaded with North Dakota's median loan amount of $214,480 at 6.4%.

Should You Buy Points to Lower Your Rate?

Each point costs 1% of the loan ($2,145) and reduces your rate by roughly 0.25%. This calculator shows your break-even month.

How to Reduce Closing Costs in North Dakota

Mortgage Payment Calculator — North Dakota

After closing costs, here's what your monthly payment looks like on $268,100 in North Dakota

Frequently Asked Questions

What are average closing costs in North Dakota?

Closing costs in North Dakota average 2.40% of the purchase price. On the state median of $268,100, that's approximately $6,434. North Dakota ranks Below average — no transfer tax nationally. Source: ClosingCorp 2021 / Urban Institute 2025.

Does North Dakota have a real estate transfer tax?

North Dakota has no state-level real estate transfer tax. North Dakota has no state real estate transfer tax. No county or municipal transfer taxes are charged. This makes North Dakota one of the more buyer-friendly states for closing costs.

Is an attorney required to close on a home in North Dakota?

No — North Dakota does not require an attorney at closing. A title company or escrow officer handles the closing process. You may still choose to hire an attorney for contract review, which is optional.

What is title insurance and how much does it cost in North Dakota?

Title insurance protects the lender (and optionally you) against ownership disputes, liens, and title defects discovered after closing. In North Dakota, lender's title insurance averages $1,200. Owner's title insurance is separate and typically costs 0.5–1% of the purchase price. Unlike other insurance, it's a one-time premium paid at closing.

Can closing costs be rolled into the mortgage in North Dakota?

You cannot roll closing costs into a purchase mortgage — lenders fund only the home's purchase price. However, you can negotiate seller concessions (seller pays your closing costs), use a slightly higher rate in exchange for lender credits, or apply down payment assistance funds toward closing costs. On a $214,480 loan in North Dakota, 1 point of lender credit costs about $536/mo extra in payment.

When do I get the Closing Disclosure in North Dakota?

Federal law (TRID) requires your lender to provide the Closing Disclosure at least 3 business days before closing. It shows final loan terms, monthly payment, and itemized closing costs. Compare it carefully to your Loan Estimate — lenders are limited in how much certain fees can change between the two documents.

What closing costs are tax-deductible in North Dakota?

Most closing costs are not deductible. Exceptions: prepaid mortgage interest (the interest accrued between closing and your first payment), and mortgage points paid to buy down your rate may be deductible in the year paid or amortized over the loan term. Property taxes prepaid at closing are deductible up to the $10,000 SALT cap. Consult a tax professional for North Dakota-specific guidance.