Closing costs
Closing costs in Oregon,line by line.
Selling a home in Oregon comes with more line items at closing than most sellers expect. Here's a plain-English breakdown of typical seller closing costs — and how a cash sale to us changes them.
Typical seller closing costs on a listed sale
Real estate commissions (5–6% split between listing and buyer's agent), title insurance for the buyer (~0.4–0.6% of price), escrow fees (~$500–$1,500), county recording fees, prorated property taxes, HOA transfer fees, any negotiated repair credits, and often 1–3% in buyer concessions in a normal market.
What Oregon-specific line items look like
Oregon does not have a statewide real estate transfer tax (Washington County has one small county-level tax; most of Oregon does not). Property taxes are prorated through the July 1 fiscal-year date, which can flip who pays what.
How a cash sale changes the math
No agent commissions. No buyer concessions. No repair credits. No inspection re-negotiations. Standard closing costs (escrow, title, recording) are typically covered by us. Your net proceeds equal offer price minus mortgage payoff and liens.
Every closing gives back
20% of every closing supports Oregon nonprofits protecting children and strengthening families.
See where donations go →Frequently asked
Straight answers.
Does Oregon have a real estate transfer tax?
No statewide transfer tax. Washington County has a small county-level transfer tax; most Oregon counties do not.
Who pays for title insurance in Oregon?
Custom varies by county, but sellers typically pay for the owner's policy protecting the buyer.
Are property taxes prorated at closing in Oregon?
Yes, based on the Oregon fiscal tax year (July 1–June 30). Escrow calculates and credits accordingly.
Do I pay closing costs when I sell to Oregon Home Relief?
No — we cover standard closing costs. The number you accept is what you walk away with, minus only mortgage payoff and liens.
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