11 articles on closing costs from Mortgage in Georgia.
Georgia's transfer tax works out to about $1 per $1,000 of sale price, or roughly $360 at the 2026 statewide median. This guide explains how it is calculated, who pays it, when it does not apply, and why it is a different tax from the larger intangible tax on the buyer's loan.
By Mortgage in Georgia Editorial · Oct 29, 2026
Georgia courts require a licensed attorney to handle real estate closings. In a financed purchase, though, that attorney usually represents the lender, not you. This guide covers where the rule comes from, what Georgia closing attorney fees pay for, and what to ask before closing day.
By Mortgage in Georgia Editorial · Oct 28, 2026
If you close in Gwinnett, Coweta or Hall between now and December, the 2026 tax bill is already out but probably not due yet. Here is how the bill gets split at closing, who the county holds responsible, and the paperwork sellers should file to keep a tax lien out of their name.
By Mortgage in Georgia Editorial · Oct 18, 2026
Every Georgia mortgage carries a state tax tied to the loan amount, not the price: about $3 per $1,000. Here is how it is calculated, who pays it, how refinances are treated and where to find it on your Loan Estimate.
By Mortgage in Georgia Editorial · Oct 12, 2026
Atlanta led Redfin's August 2026 concessions ranking, so buyers have room to ask for a seller credit. How much you can get depends on your loan program. This guide covers the FHA, VA and conventional limits, Georgia's closing taxes, and what to check on your Closing Disclosure.
By Mortgage in Georgia Editorial · Sep 27, 2026
The Loan Estimate is the same three-page federal form from every lender, but Georgia adds its own charges: an intangible recording tax, a transfer tax, a $10 state fee and an attorney-run closing. Here is how to read it page by page and which numbers are allowed to change.
By Mortgage in Georgia Editorial · Sep 24, 2026
Fulton mailed 2026 tax bills in August using this year's values and last year's millage rates, under a court order. A corrected bill is expected mid-November. Here is the dated timeline and what it means if you are paying the estimate, closing this fall, or carrying an escrow account.
By Mortgage in Georgia Editorial · Sep 9, 2026
Georgia's settlement statement carries two taxes most buyers have never heard of, and the one that lands on the buyer's side is legally the lender's bill. A line-by-line look at who normally pays, what the statute actually says, and which lines you can move.
By Mortgage in Georgia Editorial · Sep 3, 2026
As metro Atlanta inventory climbs and homes sit longer, seller-paid closing-cost credits are making a comeback. Here's how they work, how they differ from a price cut, the caps by loan type, and why a credit isn't free money.
By Mortgage in Georgia Editorial · Jul 16, 2026
Georgia's HB 581 caps how fast a homesteaded property's taxable value can grow — but the cap doesn't actually bite until the 2026 tax year, many metro counties opted out, and the protection resets the moment a home is sold. Here's what Georgia buyers need to know before setting up escrow.
By Mortgage in Georgia Editorial · Jun 16, 2026
Georgia charges a state intangible recording tax of $1.50 per $500 of your loan amount — about $1,050 on a $350,000 mortgage. Here's what it costs, who pays, and the same-lender refinance exemption that can save you hundreds.
By Mortgage in Georgia Editorial · Jun 13, 2026
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