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2026 MD Rates

Maryland Closing Cost Calculator 2026

Estimate title insurance, recording fees, and settlement costs for Maryland residential purchases. MD bundles title and settlement into one fee.

Closing Cost Calculator

Maryland • Instant Estimate

Title Insurance$1,345
Recording Fee$75
Escrow / Settlement$0
Total Estimated Closing Costs$1,420

Estimate based on current Maryland rates. Does not include property taxes, HOA fees, or lender-specific charges. Consult a licensed professional for exact figures.
Worked Example

Example: Closing Costs for a $400,000 Property in 2026

For a $400,000 Maryland purchase, title insurance and settlement are bundled into a single $1,345 fee, making MD one of the most straightforward states for closing cost estimation.

Title Insurance (incl. settlement)$1,345
Recording Fee$75
Escrow / Settlement$0 (Bundled)
Total Closing Costs$1,420
Common Questions

Maryland Closing Cost FAQ

How is title insurance priced in Maryland?

MD title insurance averages $1,345 as a combined title and settlement fee, covering both the title search and settlement services.

Who pays closing costs in Maryland?

The buyer pays title insurance, recording, and settlement. The seller pays state/county transfer taxes and their share of recordation tax.

Are escrow fees separate in Maryland?

No. In Maryland, escrow and settlement services are bundled into the combined title insurance fee — there's no separate escrow charge.

Disclaimer & Legal Notice

This website provides general estimates and approximations for closing costs, taxes, and loan repayments in New York City based on current 2026 regulations (including the progressive NYS Mansion Tax rates). The figures shown are for informational purposes only, do not constitute formal legal or financial advice, do not represent an official accounting calculation, and do not establish any attorney-client or brokerage relationship.

Real estate tax laws, title insurance rates, and lender underwriting guidelines are highly complex and subject to change or interpretation. We strongly advise you to consult with a qualified, licensed New York Real Estate Attorney, CPA, or financial advisor before executing any real estate transactions or contract agreements.