{"id":21245,"date":"2026-05-04T09:37:50","date_gmt":"2026-05-04T13:37:50","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=21245"},"modified":"2026-05-04T09:37:51","modified_gmt":"2026-05-04T13:37:51","slug":"who-pays-closing-costs-in-massachusetts","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/who-pays-closing-costs-in-massachusetts\/","title":{"rendered":"Who Pays Closing Costs in Massachusetts in 2026?"},"content":{"rendered":"\n<p><a href=\"https:\/\/ibuyer.com\/blog\/how-much-is-the-closing-cost-in-massachusetts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Closing costs in Massachusetts<\/a> are typically shared between both the buyer and the seller, but who pays what ultimately depends on the terms negotiated in the purchase agreement. In most cases, buyers cover mortgage-related fees and prepaid expenses, while sellers handle costs tied to transferring ownership, such as real estate transfer taxes, attorney fees, and any remaining mortgage balance.<\/p>\n\n\n\n<p>In Massachusetts, local customs play a role in how closing costs are divided. Massachusetts requires attorneys for closings, and buyers often pay owner&#8217;s title insurance while sellers cover agent commissions and transfer taxes. However, none of these costs are set in stone, many are negotiable, and buyers can often request seller concessions to reduce their upfront expenses.<\/p>\n\n\n\n<p>Understanding who pays closing costs in Massachusetts can help both buyers and sellers better prepare for the transaction and avoid surprises at closing.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Who Pays Closing Costs<\/h2><ul><li><a href=\"#h-the-short-answer-who-pays-closing-costs-in-massachusetts\" data-level=\"2\">The Short Answer: Who Pays Closing Costs in Massachusetts?<\/a><\/li><li><a href=\"#h-what-are-closing-costs\" data-level=\"2\">What Are Closing Costs?<\/a><\/li><li><a href=\"#h-how-much-are-closing-costs-in-massachusetts\" data-level=\"2\">How Much Are Closing Costs in Massachusetts?<\/a><\/li><li><a href=\"#h-what-closing-costs-do-buyers-usually-pay-in-massachusetts\" data-level=\"2\">What Closing Costs Do Buyers Usually Pay in Massachusetts?<\/a><\/li><li><a href=\"#h-what-closing-costs-do-sellers-usually-pay-in-massachusetts\" data-level=\"2\">What Closing Costs Do Sellers Usually Pay in Massachusetts?<\/a><\/li><li><a href=\"#h-who-usually-pays-for-title-insurance-in-massachusetts\" data-level=\"2\">Who Usually Pays for Title Insurance in Massachusetts?<\/a><\/li><li><a href=\"#h-does-massachusetts-charge-transfer-taxes-or-documentary-stamp-taxes\" data-level=\"2\">Does Massachusetts Charge Transfer Taxes or Documentary Stamp Taxes?<\/a><\/li><li><a href=\"#h-which-closing-costs-are-negotiable-in-massachusetts\" data-level=\"2\">Which Closing Costs Are Negotiable in Massachusetts?<\/a><\/li><li><a href=\"#h-can-the-seller-pay-the-buyer-s-closing-costs-in-massachusetts\" data-level=\"2\">Can the Seller Pay the Buyer&#8217;s Closing Costs in Massachusetts?<\/a><\/li><li><a href=\"#h-what-affects-who-pays-closing-costs-in-massachusetts\" data-level=\"2\">What Affects Who Pays Closing Costs in Massachusetts?<\/a><\/li><li><a href=\"#h-how-to-lower-closing-costs-in-massachusetts\" data-level=\"2\">How to Lower Closing Costs in Massachusetts<\/a><\/li><li><a href=\"#h-conclusion\" data-level=\"2\">Conclusion<\/a><\/li><li><a href=\"#h-frequently-asked-questions\" data-level=\"2\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-short-answer-who-pays-closing-costs-in-massachusetts\">The Short Answer: Who Pays Closing Costs in Massachusetts?<\/h2>\n\n\n\n<p>In Massachusetts, both buyers and sellers pay closing costs, but they cover different types of expenses.<\/p>\n\n\n\n<p>Buyers typically pay between 2% and 5% of the home&#8217;s purchase price (average 2.44%). These costs usually include loan origination fees, appraisal and inspection fees, prepaid taxes and insurance, and title insurance.<\/p>\n\n\n\n<p>Sellers often pay 6% to 10% of the sale price, with the largest portion commonly going toward agent compensation (5-6%), transfer taxes, prorated property taxes, and attorney fees.<\/p>\n\n\n\n<p>That said, the final distribution of closing costs is fully negotiable. In many transactions, buyers may ask for seller concessions, where the seller agrees to cover part of the buyer&#8217;s closing costs to help close the deal.<\/p>\n\n\n\n<p>The exact breakdown will appear in two key documents:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The Loan Estimate, provided shortly after applying for a <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-a-mortgage-and-how-does-it-work\/\" target=\"_blank\" rel=\"noreferrer noopener\">mortgage<\/a><\/li>\n\n\n\n<li>The Closing Disclosure, delivered at least three days before closing<\/li>\n<\/ul>\n\n\n\n<p>Reviewing these documents carefully ensures both parties understand exactly who is paying for each cost.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-closing-costs\">What Are Closing Costs?<\/h2>\n\n\n\n<p>Closing costs are the collection of fees and prepaid expenses required to finalize a real estate transaction. They cover everything from processing the mortgage loan to legally transferring ownership of the property.<\/p>\n\n\n\n<p>These costs are paid at the closing of the transaction and can include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Lender fees for issuing the mortgage<\/li>\n\n\n\n<li>Third-party services like appraisals, inspections, and title searches<\/li>\n\n\n\n<li>Government fees for recording the property transfer and transfer taxes<\/li>\n\n\n\n<li>Prepaid expenses such as homeowners insurance, property taxes, and interest<\/li>\n<\/ul>\n\n\n\n<p>Closing costs can vary depending on the lender, the property, and the location within Massachusetts. While some fees are standard, others may differ based on the details of the transaction.<\/p>\n\n\n\n<p>To help buyers understand these costs upfront, lenders provide a <a href=\"https:\/\/www.nerdwallet.com\/mortgages\/learn\/loan-estimate\" target=\"_blank\" rel=\"noreferrer noopener\">Loan Estimate<\/a> within three business days of a mortgage application. Before closing, a Closing Disclosure outlines the final, exact costs, allowing both buyers and sellers to review and confirm all charges.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-are-closing-costs-in-massachusetts\">How Much Are Closing Costs in Massachusetts?<\/h2>\n\n\n\n<p>Closing costs in Massachusetts vary depending on the purchase price, loan type, and specific transaction details, but both buyers and sellers can expect to pay a percentage of the home&#8217;s value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-buyer-closing-costs-in-massachusetts\">Buyer Closing Costs in Massachusetts<\/h3>\n\n\n\n<p>In Massachusetts, buyers typically pay about 2% to 5% of the home&#8217;s purchase price in closing costs (average 2.44%).<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On a $638,100 home, buyer closing costs average around $15,600<\/li>\n<\/ul>\n\n\n\n<p>These costs are largely tied to financing the home and setting up escrow accounts, which means the exact amount can vary based on the lender, interest rate, and prepaid expenses.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-seller-closing-costs-in-massachusetts\">Seller Closing Costs in Massachusetts<\/h3>\n\n\n\n<p>Sellers in Massachusetts usually pay around 6% to 10% of the home&#8217;s sale price.<\/p>\n\n\n\n<p>For example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>On a $482,000 home, seller closing costs average about $14,900 (excluding commissions)<\/li>\n<\/ul>\n\n\n\n<p>The higher percentage is mainly due to agent commissions (5-6%), transfer taxes, attorney fees, along with prorated property taxes and any remaining mortgage payoff.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-closing-costs-do-buyers-usually-pay-in-massachusetts\">What Closing Costs Do Buyers Usually Pay in Massachusetts?<\/h2>\n\n\n\n<p>Buyers in Massachusetts are generally responsible for costs related to obtaining their mortgage and preparing the property for purchase. These fees can vary by lender and transaction, but commonly include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan origination and application fees \u2013 Charged by the lender for processing the mortgage<\/li>\n\n\n\n<li>Appraisal fee \u2013 Determines the home&#8217;s market value for the lender<\/li>\n\n\n\n<li><a href=\"https:\/\/ibuyer.com\/blog\/home-inspection-cost-massachusetts\/\" target=\"_blank\" rel=\"noreferrer noopener\">Home inspection fees<\/a> \u2013 Optional but strongly recommended to assess the property&#8217;s condition<\/li>\n\n\n\n<li>Credit report fee \u2013 Covers the cost of pulling the buyer&#8217;s credit history<\/li>\n\n\n\n<li>Survey fee \u2013 To confirm property boundaries<\/li>\n\n\n\n<li>Owner&#8217;s title insurance \u2013 Typically buyer-paid in Massachusetts<\/li>\n\n\n\n<li>Lender&#8217;s title insurance (loan policy) \u2013 Protects the lender&#8217;s interest<\/li>\n\n\n\n<li>Buyer&#8217;s attorney fees \u2013 Required for closing ($800-$1,800)<\/li>\n\n\n\n<li>Escrow and settlement fees \u2013 Paid to the title company or closing agent<\/li>\n\n\n\n<li>Recording fees \u2013 Charged by the county to officially record the deed<\/li>\n\n\n\n<li>Prepaid interest \u2013 Covers interest from the closing date to the first mortgage payment<\/li>\n\n\n\n<li>Homeowners insurance premium \u2013 Typically paid upfront for the first year<\/li>\n\n\n\n<li>Property tax and escrow deposits \u2013 Initial funding for taxes and insurance<\/li>\n<\/ul>\n\n\n\n<p>These costs are outlined in the Loan Estimate and finalized in the Closing Disclosure, so buyers should review both documents carefully before closing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-closing-costs-do-sellers-usually-pay-in-massachusetts\">What Closing Costs Do Sellers Usually Pay in Massachusetts?<\/h2>\n\n\n\n<p>Sellers in Massachusetts typically cover costs associated with transferring ownership and closing out their obligations on the property. Common seller-paid closing costs include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Real estate agent compensation \u2013 Typically 5-6%, often the largest expense<\/li>\n\n\n\n<li>Transfer taxes \u2013 $2.28 per $500 of sale price (seller-paid or split)<\/li>\n\n\n\n<li>Prorated property taxes \u2013 Seller pays share up to closing date<\/li>\n\n\n\n<li>Existing mortgage payoff \u2013 Any remaining balance on the seller&#8217;s loan must be paid at closing<\/li>\n\n\n\n<li>Seller&#8217;s attorney fees \u2013 Required for closing<\/li>\n\n\n\n<li>Title and closing service fees \u2013 For handling the transaction<\/li>\n\n\n\n<li>Deed preparation and recording fees \u2013 For transferring ownership<\/li>\n\n\n\n<li><a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/massachusetts-hoa-coa-foreclosures.html\" target=\"_blank\" rel=\"noreferrer noopener\">HOA fees<\/a> and transfer costs \u2013 If applicable<\/li>\n\n\n\n<li>Home warranty \u2013 Sometimes offered as an incentive to the buyer<\/li>\n<\/ul>\n\n\n\n<p>While these costs are typical, they are not fixed. Sellers may also agree to cover some of the buyer&#8217;s expenses through concessions, depending on the negotiation and market conditions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-usually-pays-for-title-insurance-in-massachusetts\">Who Usually Pays for Title Insurance in Massachusetts?<\/h2>\n\n\n\n<p>In Massachusetts, buyers typically pay for the owner&#8217;s title insurance policy, which protects against title defects.<\/p>\n\n\n\n<p>However, it&#8217;s important to understand that this is not a legal requirement. Who pays for the title policy is fully negotiable between the buyer and seller.<\/p>\n\n\n\n<p>There are typically two types of title insurance in a Massachusetts transaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Owner&#8217;s policy \u2013 Protects the buyer; commonly buyer-paid<\/li>\n\n\n\n<li>Lender&#8217;s policy (loan policy) \u2013 Protects the lender; paid by the buyer<\/li>\n<\/ul>\n\n\n\n<p>Massachusetts attorney closings ensure thorough title review.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-does-massachusetts-charge-transfer-taxes-or-documentary-stamp-taxes\">Does Massachusetts Charge Transfer Taxes or Documentary Stamp Taxes?<\/h2>\n\n\n\n<p>Massachusetts charges a real estate transfer tax (deed excise tax) of $2.28 for each $500 (or fraction thereof) of the sale price.<\/p>\n\n\n\n<p>This tax is typically paid by the seller, though it can be negotiated. For a $482,000 home, this amounts to approximately $2,200. Some municipalities add additional local transfer taxes.<\/p>\n\n\n\n<p>However, there are still some government-related fees involved, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>County recording fees \u2013 Paid to officially record the deed and other documents<\/li>\n\n\n\n<li>Filing fees \u2013 For legal documentation related to the transaction<\/li>\n<\/ul>\n\n\n\n<p>These costs contribute to Massachusetts&#8217; relatively high closing expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-which-closing-costs-are-negotiable-in-massachusetts\">Which Closing Costs Are Negotiable in Massachusetts?<\/h2>\n\n\n\n<p>One of the most important things to understand about closing costs in Massachusetts is that many of them are negotiable.<\/p>\n\n\n\n<p>While there are common practices\u2014like buyers paying owner&#8217;s title insurance\u2014these are not fixed rules. The final allocation of costs depends on what both parties agree to in the contract.<\/p>\n\n\n\n<p>Common negotiable items include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Seller concessions \u2013 The seller may agree to cover part of the buyer&#8217;s closing costs<\/li>\n\n\n\n<li>Title insurance allocation \u2013 Who pays owner&#8217;s vs lender&#8217;s policy<\/li>\n\n\n\n<li>Attorney fees \u2013 Sometimes split between parties<\/li>\n\n\n\n<li>Survey costs \u2013 Often negotiated between buyer and seller<\/li>\n\n\n\n<li><a href=\"https:\/\/www.investopedia.com\/terms\/h\/home-warranty.asp\" target=\"_blank\" rel=\"noreferrer noopener\">Home warranty<\/a> \u2013 Can be requested by the buyer and paid by the seller<\/li>\n\n\n\n<li>Repair credits \u2013 Instead of making repairs, sellers may offer credits at closing<\/li>\n<\/ul>\n\n\n\n<p>Market conditions play a big role here:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In a buyer&#8217;s market, sellers are more likely to offer concessions<\/li>\n\n\n\n<li>In a seller&#8217;s market, buyers may need to absorb more of the costs<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-can-the-seller-pay-the-buyer-s-closing-costs-in-massachusetts\">Can the Seller Pay the Buyer&#8217;s Closing Costs in Massachusetts?<\/h2>\n\n\n\n<p>Yes, sellers can pay some or all of the buyer&#8217;s closing costs in Massachusetts, if both parties agree.<\/p>\n\n\n\n<p>This is typically done through <a href=\"https:\/\/www.consumeraffairs.com\/finance\/what-are-seller-concessions.html\" target=\"_blank\" rel=\"noreferrer noopener\">seller concessions<\/a>, which are negotiated as part of the purchase agreement. Instead of lowering the sale price, a seller may agree to contribute a certain amount toward the buyer&#8217;s closing costs.<\/p>\n\n\n\n<p>This can be especially helpful for buyers who:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Are short on upfront cash<\/li>\n\n\n\n<li>Want to reduce out-of-pocket expenses at closing<\/li>\n<\/ul>\n\n\n\n<p>However, there are a few things to keep in mind:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Loan type matters \u2013 Some loan programs (like FHA or VA loans) have limits on how much a seller can contribute<\/li>\n\n\n\n<li>Appraisal value matters \u2013 The home must appraise at or above the purchase price if concessions are included<\/li>\n\n\n\n<li>Negotiation strength matters \u2013 Concessions are more common in slower markets<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-affects-who-pays-closing-costs-in-massachusetts\">What Affects Who Pays Closing Costs in Massachusetts?<\/h2>\n\n\n\n<p>Several factors influence how closing costs are divided in a Massachusetts real estate transaction:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Local customs \u2013 Buyers pay owner&#8217;s title; <a href=\"https:\/\/ibuyer.com\/blog\/real-estate-attorney-fees\/\" target=\"_blank\" rel=\"noreferrer noopener\">attorneys fee<\/a> required, varying by region like Boston or Cape Cod<\/li>\n\n\n\n<li>Negotiation between parties \u2013 The purchase agreement ultimately determines who pays what<\/li>\n\n\n\n<li>Market conditions \u2013 Buyers have more leverage in a slower market, while sellers have more power in competitive markets<\/li>\n\n\n\n<li>Loan type \u2013 FHA, VA, and conventional loans may have different rules or limitations<\/li>\n\n\n\n<li>Property type \u2013 Condos\/HOAs have additional transfer fees and capital contributions<\/li>\n\n\n\n<li>Commission agreements \u2013 Agent compensation is negotiated and impacts seller costs<\/li>\n\n\n\n<li>Municipal fees \u2013 Local transfer taxes vary by town<\/li>\n<\/ul>\n\n\n\n<p>Because of these variables, no two transactions are exactly the same\u2014even within Massachusetts.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-lower-closing-costs-in-massachusetts\">How to Lower Closing Costs in Massachusetts<\/h2>\n\n\n\n<p>Both buyers and sellers can take steps to reduce their closing costs in Massachusetts:<\/p>\n\n\n\n<p><strong>For buyers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Shop around for lenders to compare fees and interest rates<\/li>\n\n\n\n<li>Review the Loan Estimate carefully to spot unnecessary charges<\/li>\n\n\n\n<li>Negotiate seller concessions to offset upfront costs<\/li>\n\n\n\n<li>Ask about Massachusetts first-time homebuyer programs (MHFA)<\/li>\n\n\n\n<li>Compare attorneys for competitive rates<\/li>\n<\/ul>\n\n\n\n<p><strong>For sellers:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Negotiate agent compensation and service terms upfront<\/li>\n\n\n\n<li>Limit concessions where possible, depending on market conditions<\/li>\n\n\n\n<li>Review the settlement statement carefully before closing<\/li>\n<\/ul>\n\n\n\n<p><strong>For both parties:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Check the Closing Disclosure in advance (at least three business days before closing)<\/li>\n\n\n\n<li>Ask questions about any unclear fees to avoid surprises<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>In Massachusetts, closing costs are typically shared between buyers and sellers, with each party responsible for different types of expenses. Buyers usually pay for loan-related fees, owner&#8217;s title insurance, and prepaid costs, while sellers often cover agent commissions, transfer taxes, attorney fees, and prorated property taxes.<\/p>\n\n\n\n<p>That said, there is no fixed rule for who pays what. Most closing costs in Massachusetts are negotiable, and the final breakdown depends on the terms of the <a href=\"https:\/\/www.icertis.com\/contracting-basics\/what-is-a-purchase-agreement\/\" target=\"_blank\" rel=\"noreferrer noopener\">purchase agreement<\/a>, market conditions, and the type of loan involved.<\/p>\n\n\n\n<p>Understanding these costs ahead of time, and reviewing both the Loan Estimate and Closing Disclosure, can help buyers and sellers avoid surprises and make more informed decisions at closing.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1777038819431\"><strong class=\"schema-faq-question\"><strong>Who usually pays closing costs in Massachusetts, the buyer or the seller?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Both buyers and sellers pay closing costs in Massachusetts. Buyers typically cover loan-related fees and owner&#8217;s title insurance, while sellers usually pay agent commissions, transfer taxes, attorney fees, and prorated property taxes. The exact split depends on the contract and negotiation.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038826164\"><strong class=\"schema-faq-question\"><strong>How much are closing costs for buyers in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Buyer closing costs in Massachusetts generally range from 2% to 5% of the home&#8217;s purchase price (average 2.44%). This includes lender fees, appraisal and inspection costs, title insurance, and prepaid taxes.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038834248\"><strong class=\"schema-faq-question\"><strong>How much are closing costs for sellers in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Seller closing costs in Massachusetts are typically around 6% to 10% of the sale price, largely due to agent compensation (5-6%), transfer taxes, and attorney fees.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038841881\"><strong class=\"schema-faq-question\"><strong>Does the seller pay title insurance in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">No, buyers typically pay the owner&#8217;s title insurance policy in Massachusetts, though this is negotiable. Lender&#8217;s policy is also buyer-paid.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038847197\"><strong class=\"schema-faq-question\"><strong>Does Massachusetts have a real estate transfer tax?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, Massachusetts has a deed excise tax of $2.28 per $500 of sale price, typically seller-paid.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038852047\"><strong class=\"schema-faq-question\"><strong>Are closing costs negotiable in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, many closing costs in Massachusetts are negotiable. Buyers and sellers can agree on who pays for certain fees, and buyers can request seller concessions to reduce their out-of-pocket costs.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038856831\"><strong class=\"schema-faq-question\"><strong>Can a seller pay the buyer&#8217;s closing costs in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, sellers can agree to pay part or all of the buyer&#8217;s closing costs through seller concessions. This is common in some markets and depends on the terms of the agreement and the buyer&#8217;s loan type.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1777038861814\"><strong class=\"schema-faq-question\"><strong>Can closing costs be rolled into a mortgage in Massachusetts?<br><\/strong><\/strong> <p class=\"schema-faq-answer\">In some cases, buyers can roll certain closing costs into their mortgage, but this depends on the loan type and lender guidelines. Alternatively, buyers may accept a higher interest rate in exchange for lender credits that help cover closing costs.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Closing costs in Massachusetts are typically shared between both the buyer and the seller, but who pays what ultimately depends on the terms negotiated in the purchase agreement. In most cases, buyers cover mortgage-related fees and prepaid expenses, while sellers handle costs tied to transferring ownership, such as real estate transfer taxes, attorney fees, and [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":21806,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[104,214],"tags":[],"class_list":["post-21245","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-closing-costs","category-massachusetts"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Who Pays Closing Costs in Massachusetts in 2026?<\/title>\n<meta name=\"description\" content=\"Massachusetts closing costs overview covering who pays, buyer and seller fees, typical expenses, and negotiable costs.\" 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Florida, bringing over six years of industry experience to the vibrant Vero Beach market. She is known for her deep understanding of local real estate trends and her dedication to helping clients find their dream properties. Reilly's journey in real estate is complemented by her academic background in Public Relations, Advertising, and Applied Communication from the University of North Florida. This unique combination of skills has enabled her to seamlessly blend traditional real estate practices with cutting-edge marketing strategies, ensuring her clients' properties gain maximum visibility and sell quickly. Reilly's career began with a strong foundation in social media marketing and brand communications. These skills have proven invaluable in her real estate practice, allowing her to offer innovative marketing solutions that set her apart in the industry. Her exceptional ability to understand and meet clients' needs has earned her a reputation for providing a smooth and satisfying transaction process. Reilly's commitment to client satisfaction and her innovative approach have garnered her a loyal client base and numerous referrals, underscoring her success and dedication in the field. Beyond her professional achievements, Reilly is passionate about the Vero Beach community. She enjoys helping newcomers discover the charm of this beautiful area and find their perfect home. Outside of work, she loves exploring Florida\u2019s stunning landscapes and spending quality time with her family. Reilly Dzurick\u2019s combination of expertise, marketing savvy, and personal touch makes her a standout real estate agent in Vero Beach, Florida.\",\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/author\\\/reillydzurick\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/who-pays-closing-costs-in-massachusetts\\\/#faq-question-1777038819431\",\"position\":1,\"url\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/who-pays-closing-costs-in-massachusetts\\\/#faq-question-1777038819431\",\"name\":\"Who usually pays closing costs in Massachusetts, the buyer or the seller?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Both buyers and sellers pay closing costs in Massachusetts. Buyers typically cover loan-related fees and owner's title insurance, while sellers usually pay agent commissions, transfer taxes, attorney fees, and prorated property taxes. 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