Virginia buyers typically pay 2–5% of the purchase price in closing costs, on top of the down payment.

Key fees include loan origination, appraisal, title search, title insurance, recording fees, and the Virginia grantor tax (often paid by seller, but negotiable).

Ask your lender for a Loan Estimate early and a Closing Disclosure at least three business days before settlement.

Northern Virginia jurisdictions may have additional local transfer taxes — Fairfax, Arlington, and Alexandria each have different rules.