What Closing Costs Should Vermont Homebuyers Expect?

When buyers focus on the purchase price alone, closing costs can feel like a surprise. Understanding these expenses up front helps you budget accurately and avoid last‑minute stress when buying a home in Vermont.​

Typical closing costs for Vermont buyers include lender fees, appraisal, credit report, attorney’s fees, title search and title insurance, recording fees, and prepaid items like property taxes and homeowners insurance. In many cases, buyers also pay for inspections separately, such as general home, water, septic, or radon inspections, which are essential in our market. The exact total varies by lender, loan type, and purchase price, but a common planning range is several thousand dollars on top of your down payment.​

At Tamithy Howrigan Real Estate, our team makes closing costs part of the conversation from the very beginning. We coordinate with your lender and attorney to obtain realistic estimates early in the process and update them as details change, so you always know your expected cash to close. For buyers in Northwestern Vermont, that clarity can be the difference between feeling overwhelmed and feeling fully prepared on closing day.​

If you are starting to plan a purchase and want a clearer picture of what closing costs might look like for your situation, reach out to our team. We will walk you through each line item, connect you with trusted local professionals, and help you build a complete budget for buying a home in Vermont.​