Every itemized fee a buyer faces in South Dakota, including our state-specific transfer-tax lookup ($0.50 per $500). Low and high estimate, updated live as you type.
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Default: $0.50 per $500
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South Dakota applies a transfer tax of 0.100% on the purchase price ($0.50 per $500). On a $400,000 home that's roughly $400 — often the biggest state-specific line item at closing.
Otherwise, South Dakota buyers face the same national basics: lender origination (0.5%-1% of the loan), title insurance (0.3%-0.5% of the price), appraisal ($500-$800), settlement / escrow ($400-$900), plus prepaids for property tax and homeowners insurance held in your first escrow.
Some counties in South Dakota add local surtaxes or recording fees beyond the state figure. The rate above is editable — set it to your county's exact number to tighten the estimate.
That's the national typical range for buyer-side closing costs. We break it into every line item — origination, title insurance, transfer taxes, escrow prepaids and more — with a low and high estimate for each.
Delaware runs about 4% combined. Texas, Idaho, and Alaska charge zero. This calculator uses a state-by-state lookup and lets you override if your county has an unusual local add-on.
Don't forget you need both. The 'cash to close' figure is what you actually wire on closing day — down payment plus every closing cost item combined.