Summary answer: On a $600,000 home in Stafford, 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 given Stafford's median clusters around $508,000-$560,000.
I'm Johnny with JQ Real Estate. Here's exactly what's in that number.
What's actually in Stafford closing costs
| Cost Category | Typical Range on $600K |
|---|---|
| Lender fees | $3,000-$5,000 |
| Title insurance & settlement fees | $2,500-$4,000 |
| Recording & transfer taxes | $2,000-$3,500 |
| Prepaid property taxes & insurance | $2,400-$3,900 |
Why Stafford County's tax rate matters here
At $0.9675 per $100 of assessed value (plus a $0.014 fire levy), Stafford County's rate is worth factoring honestly into your prepaid escrow amount — this rate has risen roughly 46% cumulatively over the past four years, a genuine, documented local trend.
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