Summary answer: On a $600,000 home in Reston — right at the local median — 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 highly relevant scenario for Reston specifically, since $600,000 sits squarely at the median rather than an outlier price point.
I'm Johnny with JQ Real Estate. Here's exactly what's in that number.
What's actually in Reston 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–$3,500 |
| HOA transfer & document fees (Reston Association) | $200–$600 |
| Home inspection | $400–$650 |
Why the Reston Association fee is worth planning for
Nearly every Reston property carries mandatory Reston Association membership, meaning a document/transfer fee at closing that buyers in non-HOA NOVA markets simply don't encounter.
Why the property tax component runs a bit higher here
Between Fairfax County's base rate ($1.1225/$100), the Reston Service District levy, and the Reston Community Center levy, your combined effective rate lands around $1.22/$100 — meaningfully affecting your prepaid escrow amount compared to a non-Reston Fairfax purchase.
Where buyers get surprised
- Prepaid escrow gets underestimated
- The Reston Association fee catches first-time NOVA buyers off guard
- Discount points add directly to closing costs if you're buying down your rate
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 Reston buyer and seller questions, visit our Reston real estate hub.