Closing costs are one of the most misunderstood parts of buying or selling a home in Metro Atlanta. Many buyers and sellers are surprised by the final numbers at the closing table — but you shouldn't be. Here's a clear breakdown of who pays what in Georgia.

What Are Closing Costs?

Closing costs are fees paid at settlement to finalize a real estate transaction. They cover a wide range of services — from the lender's origination fee to title insurance to property taxes. In Georgia, both buyers and sellers pay closing costs, though the amounts and types differ significantly.

What Buyers Typically Pay in Georgia

Buyers can generally expect to pay between 2% and 5% of the purchase price in closing costs. On a $380,000 home in Snellville or Lilburn, that's roughly $7,600 to $19,000. These costs include lender origination fees, appraisal fees, title search, title insurance (lender's policy), homeowners insurance prepayment, property tax escrows, and prepaid interest.

What Sellers Typically Pay in Georgia

Sellers in Metro Atlanta typically pay a larger share of closing costs — usually 6% to 10% of the sale price. This includes the real estate commission (typically split between buyer's and listing agents), Georgia transfer tax ($1 per $1,000 of the sale price), attorney fees, any outstanding liens, and prorated property taxes.

Can Closing Costs Be Negotiated?

Yes — and this is where having an experienced agent makes a real difference. Buyers can ask sellers to contribute toward closing costs as part of the purchase offer. In a balanced market, sellers often agree to concessions up to a certain limit set by the loan type. Every transaction is unique, and knowing what's negotiable — and when to ask — is part of what a skilled agent brings to the table.

How to Prepare for Closing Costs

For buyers: request a Loan Estimate from your lender within three business days of applying — this document breaks down your estimated closing costs line by line. You'll also receive a Closing Disclosure at least three days before closing. Compare the two carefully. For sellers: ask your agent for a net sheet early in the process so you know exactly what you'll walk away with after commissions, taxes, and fees.

• Buyers: request your Loan Estimate immediately after applying for a mortgage
• Sellers: ask for a seller net sheet before accepting any offer
• Ask your agent what is and isn't negotiable in your specific situation
• Budget a cushion of 10–15% above estimated closing costs for surprises
• Verify your closing attorney's fees upfront — they vary across Metro Atlanta
• Ask your lender about lender credits to offset closing costs at closing