LodeStar Software Solutions, a provider of mortgage closing cost and fee data, said that purchase loan closing costs at the national level fell 2.9% year over year in 2025, driven largely by declining home prices that reduced transfer tax burdens in many markets.

The findings, which come from the company’s Year-Over-Year Mortgage Closing Cost Report, published Tuesday, compare 2024 and 2025 data across all 50 states and the District of Columbia using quotes generated through its closing cost calculator platform.

Overall, 27 states and D.C. saw declines in closing costs, while 23 recorded increases.

The most significant change occurred in details ⇒

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