Closing costs in Indiana: what buyers and sellers pay

What does the law fix, and what does it leave open?

Indiana sets few closing charges by law. The fees below come from the county. Title premiums are filed with the Department of Insurance. The lender’s charges follow federal disclosure rules. The rest, such as who pays what, is set by your purchase contract.

What are the county fees on a deed?

In Marion County, the Assessor charges $10 per parcel per document and $20 per sales disclosure form. The Recorder charges $35 per document. That is $65 for one parcel and one deed. A sales disclosure form is required for most sales, and the county auditor may not accept the deed without it (Department of Local Government Finance). The mortgage is recorded too, and the county pages we read give no separate mortgage fee, so ask the Recorder. Other counties set their own recording fees.

How much is title insurance in Indiana?

Insurers file their rates with the Indiana Department of Insurance, which publishes a comparison of 24 insurers’ filed residential rates. Those figures exclude abstract or attorney fees, title searches, escrow and closing services, which local attorneys, abstractors and title companies charge separately.

For $250,000 of coverage, the filed figures in the state’s tool are:

The tool says a typical purchase has two or three endorsements. Reissue and new-home discounts exist. The filing dates range from 2014 to November 2026, so confirm the rate with the insurer. Title insurance is explained in our guide.

What does the lender charge?

The lender’s fees vary with the loan, and the state sets no typical amount. Federal rules make them visible. The Consumer Financial Protection Bureau says lenders must provide a Closing Disclosure three business days before closing, so you have time to compare it with your Loan Estimate. The form groups costs into origination charges, services you can shop for, taxes and government fees, prepaids, and the initial escrow payment. Check that “Services Borrower Did Not Shop For” are similar to the Loan Estimate.

Prepaids and escrow depend on your loan and your insurance. See homeowners insurance, private mortgage insurance and escrow accounts. Appraisals, inspections and surveys are paid for separately: home appraisal cost, home inspection cost, land survey cost.

What about property tax at closing?

Indiana property tax is paid in two installments, and each bill follows the assessment date. The 2025 assessment is billed in 2026, with installments due May 11 and November 10, 2026. A closing between those dates leaves part of a bill open. The contract and the settlement statement decide how it is split. For the amounts, see Indiana property tax.

What does the seller pay?

The agent commission is negotiated: see real estate commission. Which of the county and title charges above the seller bears is set by the purchase contract, since the sources we read do not assign them.

Example: a $250,000 purchase in Indianapolis

This example is an illustration, not a quote. It uses the state’s filed title figures for each insurer: owner’s policy, a lender’s policy issued with it, two endorsements and one closing protection letter.

For the buyer’s whole path, see the Indianapolis guide and closing costs explained.