Answer

What are closing costs in Washington state?

Budget about 2% of the purchase price for closing costs, plus your down payment, plus prepaids (first year of insurance, a few months of property tax). On a $750,000 home that's roughly $15,000 in costs.

What's inside: lender fee (~$1,295 with us), appraisal ($700–$1,000), title and escrow (~0.5%), recording, and any points you choose. Washington has no mortgage tax, and the seller pays the excise tax.

How to reduce it: a lender credit (slightly higher rate, lower cash to close), seller credits negotiated by your agent, or our first-time buyer assistance (up to 1.5% toward closing costs).

Your pre-approval screen shows cash to close for your exact scenario, line by line.