Summary answer: On a $600,000 home in Centreville, expect buyer closing costs of roughly $12,000–$18,000 (about 2–3% of purchase price), before prepaid items like taxes and insurance. Fairfax County's 2026 real estate tax rate of $1.1225 per $100 assessed value factors directly into your prepaid escrow amount at closing.
I'm Johnny with JQ Real Estate. Here's exactly what's in that number.
What's actually in Centreville 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) | $2,000–$3,800 |
| HOA transfer fees (Sully Station, Virginia Run) | $200–$600 |
| Home inspection | $400–$600 |
Why Fairfax County's tax rate matters here
At $1.1225 per $100 of assessed value, your prepaid escrow amount at closing is calculated directly off this rate and your home's assessed value. On a $600,000 home, that's roughly $561/month once your mortgage is running, with a portion collected upfront to fund your escrow account.
Where buyers get surprised
- Prepaid escrow gets underestimated — buyers often plan for the "fee" side of closing costs and forget the prepaid taxes and insurance collected at the same time
- HOA transfer fees aren't optional — if you're buying in Sully Station, Virginia Run, or another HOA community, this fee sometimes becomes part of negotiation
- Discount points — buying down your rate adds directly to closing costs but lowers your monthly payment long-term
Can any of this be negotiated?
Yes — asking a seller for a closing cost credit is reasonable, particularly on a listing that's sat a bit longer than average. This is more realistic on softer-moving inventory than on Centreville's fastest-selling listings.
Get an exact number for your deal
These are typical ranges — your actual number depends on your lender, loan type, and specific property. Reach out once we've identified a target property and I'll run your real numbers.
For more Centreville buyer and seller questions, visit our Centreville real estate hub.