Louisiana Closing Costs Calculator

Estimate Your Louisiana Closing Costs

Closing costs in Louisiana typically range from 2% to 5% of the purchase price and include title insurance, government recording fees, lender charges, and parish-specific taxes. In New Orleans, buyers should also budget for the Orleans Parish documentary transaction tax, which is collected at closing. Use the calculator below to get a parish-level estimate for your transaction.

How Much Are Closing Costs in New Orleans?

Closing costs in New Orleans and Southeast Louisiana typically range from 2% to 5% of the purchase price. On a $300,000 home in Orleans Parish, that means $6,000 to $15,000 in total closing costs split between buyer and seller. The exact amount depends on the parish, the type of transaction, whether you are financing, and which fees are negotiated in the purchase agreement.

One factor unique to Orleans Parish is the documentary transaction tax, which is calculated on the sale price and paid at the time of recording. This tax does not apply in most other Louisiana parishes — it is one of the reasons Orleans Parish closing costs tend to be higher than neighboring Jefferson or St. Tammany parishes. Our calculator accounts for these parish-level differences automatically.

Buyer vs. Seller Closing Costs in Louisiana

In Louisiana, buyers generally pay for the title search, title insurance, lender fees, and recording charges. Sellers typically cover the real estate commission, their share of property taxes, and any mortgage payoff costs. Title insurance rates are regulated by the Louisiana Department of Insurance, so the premium is the same regardless of which title company you use. The split between buyer and seller is negotiable and should be specified in the purchase agreement.

What Fees Are Included?

Louisiana closing costs include several categories of fees: title fees (title search, title insurance, closing fee), government charges (recording fees, documentary taxes, mortgage tax), lender charges (origination, appraisal, credit report), and prorated items (property taxes, homeowner's insurance). What varies most by parish are government recording fees, transfer taxes, and millage-based property tax prorations.

Our calculator covers all 64 Louisiana parishes with ward-level millage data so you get the most accurate estimate possible — including parish-specific fees that generic online calculators miss.