Naugatuck Valley Planning Region, Connecticut Closing Costs
On the $290,800 median Naugatuck Valley Planning Region home, the county-specific closing items come to about $5,673: transfer tax $4,362, title insurance $1,091, recording fees $220. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Recording fees | Total |
|---|---|---|---|---|
| $150,000 | $2,250 | $608 | $220 | $3,078 |
| $200,000 | $3,000 | $795 | $220 | $4,015 |
| $250,000 | $3,750 | $958 | $220 | $4,928 |
| $300,000 | $4,500 | $1,120 | $220 | $5,840 |
| $350,000 | $5,250 | $1,283 | $220 | $6,753 |
| $400,000 | $6,000 | $1,445 | $220 | $7,665 |
| $450,000 | $6,750 | $1,608 | $220 | $8,578 |
| $500,000 | $7,500 | $1,770 | $220 | $9,490 |
| $600,000 | $9,000 | $2,045 | $220 | $11,265 |
| $700,000 | $10,500 | $2,320 | $220 | $13,040 |
| $800,000 | $12,000 | $2,595 | $220 | $14,815 |
| $1,000,000 | $16,000 | $3,145 | $220 | $19,365 |
Frequently asked questions
How much are closing costs in Naugatuck Valley Planning Region?
On the $290,800 median home, the county-specific items come to about $5,673: transfer tax $4,362 including Waterbury municipal conveyance tax (likely targeted investment community rate, not independently confirmed) and Standard municipal conveyance tax (most other towns in the region), title insurance $1,091 for the owner's policy and $0 for the lender's, and about $220 to record the deed and mortgage. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Naugatuck Valley Planning Region?
The seller customarily pays the Connecticut transfer tax. Who pays the owner's title policy is customarily the buyer; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- Conn. Gen. Stat. Sec. 12-494(a)(1) and (b)(2), for residential real estate
- Conn. Gen. Stat. Sec. 12-494(c) (targeted investment community authorization); Waterbury's specific designation was NOT independently confirmed against an official list this session
- Connecticut DRS, Real Estate Conveyance Taxes
- CATIC Connecticut Standard ALTA Premium Rate Schedule (Rev. 01-16, effective January 1, 2016), page 10, Computation of Premiums for Standard CATIC Policies
- No county-level recorder: land records are recorded with the town clerk in each of the region's towns (Waterbury, Ansonia, Derby, Naugatuck, Beacon Falls, Middlebury, Prospect, Seymour, Southbury, Thomaston, Watertown, Woodbury, Oxford). Connecticut abolished county government in 1960; recording fees are set uniformly for every town clerk by state statute. fee schedule
Figures are computed from the documents above and rounded to the dollar. All sources.
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Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Naugatuck Valley Planning Region overview