Summary answer: On a $600,000 home in Ashburn, expect buyer closing costs of roughly $12,000–$18,000 (about 2–3% of purchase price), before prepaid items like taxes and insurance. This is a realistic scenario for Ashburn's more accessible townhome inventory ($575K-$850K range), though below the area's single-family median.
I'm Johnny with JQ Real Estate. Here's exactly what's in that number.
What's actually in Ashburn closing costs
| Cost Category | Typical Range on $600K |
|---|---|
| Lender fees (origination, underwriting, appraisal) | $3,000–$5,000 |
| Title insurance & settlement fees | $2,500–$4,000 |
| Recording & transfer taxes | $2,000–$3,500 |
| Prepaid property taxes & insurance (escrow setup) | $1,600–$2,900 |
| Home inspection | $400–$650 |
Why Loudoun's low tax rate keeps this on the lower end
At $0.805 per $100 of assessed value — among the lowest in Northern Virginia thanks to data center tax revenue — your prepaid escrow amount runs lower here than in most neighboring counties, a real, quantifiable savings at closing.
Where buyers get surprised
- Prepaid escrow gets underestimated
- Seller concessions can go either way — recent data shows average seller concessions around $8,900, meaning some negotiating room exists even in this competitive market
Can any of this be negotiated?
Yes — asking a seller for a closing cost credit is reasonable, particularly on listings in submarkets like Broadlands, which have shown longer days-on-market recently.
Get an exact number for your deal
Reach out once we've identified a target property and I'll run your real numbers.
For more Ashburn buyer and seller questions, visit our Ashburn real estate hub.