Delaware Closing Cost Calculator 2026
Estimate title insurance (DTIRB promulgated rates), recording fees, and attorney closing fees for Delaware residential purchases. Delaware is an attorney-close state.
Closing Cost Calculator
Delaware • Instant Estimate
Estimate based on current Delaware rates. Does not include property taxes, HOA fees, or lender-specific charges. Consult a licensed professional for exact figures.
Example: Closing Costs for a $1,000,000 Property in 2026
For a $1,000,000 Delaware purchase, title insurance is calculated using DTIRB promulgated marginal rates: $515 on the first $100k ($5.15/k) plus $3,960 on the remaining $900k ($4.40/k), totaling $4,475.
Delaware Title Insurance Rates (DTIRB) — Effective April 1, 2025
| Portion of Coverage Amount | Rate per $1,000 |
|---|---|
| First $100,000 | $5.15 |
| $100,001 – $1,000,000 | $4.40 |
| $1,000,001 – $5,000,000 | $3.65 |
| $5,000,001 – $10,000,000 | $2.50 |
| $10,000,001 – $15,000,000 | $2.20 |
| Over $15,000,000 | $1.85 |
⚖️ Delaware: Attorney-Close State
Delaware law requires all real estate closings to be conducted by a licensed attorney. The "Escrow / Settlement" line item in the calculator above represents the attorney closing fee, not a traditional escrow charge.
📋 Rate Source Disclaimer
Delaware title insurance rates shown here are based on the DTIRB (Delaware Title Insurance Rating Bureau) Rating Manual effective April 1, 2025, as reported by industry-standard sources (Virtual Underwriter). Because the official DTIRB rate manual is not freely published online with citable page numbers, we recommend confirming exact rates with a Delaware-licensed title company before relying on this estimate for a real transaction.
Delaware Closing Cost FAQ
How is title insurance calculated in Delaware?
Delaware uses promulgated rates set by the DTIRB. Rates are tiered and decrease as coverage increases: $5.15/k for the first $100k, $4.40/k up to $1M, $3.65/k up to $5M, $2.50/k up to $10M, $2.20/k up to $15M, and $1.85/k above $15M. These rates became effective April 1, 2025.
Does Delaware require an attorney for closing?
Yes. All DE closings must be conducted by a licensed attorney. The fee averages about $1,000.
Who pays closing costs in Delaware?
The buyer pays title insurance, recording, and attorney fees. The seller pays state (1.5%) and county (1.5%) transfer taxes.