Average closing costs in Virginia

Every time you buy or sell a home in Virginia, you’ll have to pay closing costs. While closing costs in Virginia aren’t the highest in the country, they do tend to be higher when compared to those in neighboring states and the national average. Understanding the average closing costs in Virginia can help you plan for these charges and avoid any surprises.

How much are closing costs in Virginia?

Average Virginia closing costs when buying a home are $16,054, according to data from Visto Mortgage. 1 That’s 11% more than the national average of $14,422.

When refinancing, the average closing costs in Virginia were $8,875, which is slightly than the national average of $8,762.

The median home price in Virginia in October 2025 was $466,800, according to Redfin. That’s significantly higher than the national median sale price of $439,701. Because home prices are slightly higher, closing costs in Virginia also tend to exceed those in neighboring states, such as North Carolina and West Virginia.

Using data from Visto Mortgage and Redfin, the average closing cost percentage in Virginia is about 3.4% of the home’s sale price, which is higher than the national average of 3.2%.

Closing costs can vary significantly depending on location, home price, and other factors.

What is included in closing costs in Virginia?

Closing costs in Virginia encompass a range of fees, with both sellers and buyers contributing to these expenses. In most cases, these fees can be negotiated, including real estate commissions. Below is a table outlining some of the most common closing costs in Virginia:

Tips for reducing your closing costs in Virginia

Closing costs can feel like one of the least flexible parts of buying a home, but there are ways to reduce what you’ll owe. Here are some strategies for keeping your Virginia closing costs manageable:

• Seller concessions: You can request that the seller cover a portion of your closing costs as part of your offer. These seller concessions can offset expenses like appraisal fees, title insurance, real estate commissions, or recording costs. This approach is constructive if the seller wants to close quickly or if the home has been on the market for an extended period.
• Lender shopping: Each lender structures their fees differently, so it pays to compare quotes. By requesting Loan Estimates from multiple lenders, you can look for differences in origination fees, rate lock fees, and third-party costs. Even a slightly lower rate or reduced fee can make a noticeable difference in your final payment.
• Negotiating a lower sale price: Because many closing costs are calculated as a percentage of the home’s purchase price, a lower sale price automatically reduces what you’ll pay in closing fees.

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The bottom line: Virginia closing costs are negotiable

While closing costs in Virginia tend to be higher than in some neighboring states, many of these fees can be negotiated or reduced. By comparing lenders, asking for seller concessions, and reviewing every item on your Closing Disclosure , you’ll be better equipped to manage your total costs.

If you’re ready to take the next step toward homeownership, you can start your application today with Visto Mortgage.

[1] ** Data pulled from Visto Mortgage closing costs info from Aug. 15, 2024, to Aug. 15, 2025.

Jamie Johnson is a Kansas City-based freelance writer who writes about a variety of personal finance topics, including loans, building credit, and paying down debt. She currently writes for clients like the U.S. Chamber of Commerce, Business Insider, and Bankrate.

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