Use this calculator to find your exact break-even point for a mortgage refinance in Washington DC. With average closing costs of $5,951 in Washington DC, we've pre-filled the closing cost field — adjust it to match your actual loan estimate.
Pre-filled with Washington DC average
Washington DC imposes a state or local transfer tax (or mortgage recording tax) on refinancing transactions. This typically pushes closing costs higher, averaging 1.8% of the loan amount compared to the national average of 0.67%. Additionally, Washington DC requires a licensed attorney to conduct the closing, which adds an attorney fee to your final closing disclosures.
Washington DC refinance closing costs average 1.8% of the loan amount. On the national average refinance loan of $330,622, that works out to approximately $5,951 in total closing costs.
Yes. Washington DC is an attorney-closing state. Refinances must be handled by a licensed attorney, and their fees will be included in your final closing costs.
Washington DC refinance closing costs typically include lender origination fees (0–1% of loan), appraisal ($400–$700), title insurance, escrow fees, and recording fees. Because Washington DC imposes a mortgage transfer or recording tax, these state levies will also make up a significant portion of your total costs.