When relocating to South Carolina—especially to popular areas like Fort Mill, Tega Cay, or Lake Wylie—out-of-state buyers often focus on the price of the home but forget to budget for closing costs. These fees can surprise buyers moving in from Charlotte, the Northeast, or the West Coast, where closing cost structures may look very different.

Let’s walk through what you need to know before writing your offer.

What Are Closing Costs?

Closing costs are the fees and expenses you’ll pay at the end of the home purchase transaction. In South Carolina, these typically include:



Attorney fees (South Carolina is an attorney-closing state)



Title search & title insurance



Recording fees & deed stamps (transfer tax)



Loan origination & lender fees (if financing)



Prepaids (taxes, homeowners insurance, interest)



HOA transfer or capital contribution fees (if applicable)



Typical Closing Cost Range in South Car ...