What are closing costs in Washington State and how much should I expect to pay?

Closing costs in Washington typically run 2–3% of the loan amount and include lender fees, title and escrow charges, prepaid taxes and insurance, and recording fees. On a $500,000 purchase, expect $10,000–$15,000 in closing costs. Some of these can be negotiated into seller concessions, rolled into specific loan programs, or offset by down payment assistance. Ask to see the full Loan Estimate upfront — no surprises at the table.