How much should I budget for closing costs in 2026?

Closing costs in Georgia break into several separate pieces rather than one number. They include attorney fees for the required closing, the transfer tax of $1 for the first $1,000 of consideration plus 10 cents for each additional $100, the intangible recording tax of $1.50 for each $500 of your loan amount if you're financing, title costs, and prorated property taxes. Who pays which piece is often negotiated in the contract rather than fixed by law. Ask your agent or closing attorney for an itemized estimate based on your specific purchase price and loan amount.