Bankrate.com researchers gathered closing-cost data from five to 10 lenders in all states and the District of Columbia. Click a state for a fee-by-fee breakdown of the average closing costs for a mortgage.
For the last seven years, New York and Texas have had the highest mortgage fees, with closing costs hundreds of dollars more than the national average of $3,754. Missouri had the lowest mortgage fees in this year's survey, averaging $3,006.
Bankrate.com surveyed up to 10 lenders in each state in June 2012 and obtained good faith estimates online for a $200,000 mortgage to buy a single-family home with a 20 percent down payment in the state's largest city. Costs include fees charged by lenders, as well as third-party fees for services such as appraisals and title insurance. The survey excludes taxes, property insurance, association fees, interest and other prepaid items.
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