Closing Costs

Closing Costs Calculator for Post Falls, Idaho

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

To estimate closing costs in Post Falls, multiply the purchase price by 2% to 5% for buyer costs. Idaho is a filed-rate state — request quotes from Kootenai County title companies. Recording: $15 deeds, $45 mortgages (Idaho Code § 31-3205). No transfer tax.

Idaho home used to estimate closing costs in Post Falls

Calculating Costs in Post Falls

Post Falls shares Kootenai County’s title market with Coeur d’Alene. Idaho’s filed-rate system (IDAPA 18.05.01) means you need a company quote to calculate exact costs.

Buyer Formula

Lender’s title insurance: Loan amount ÷ 1,000 × [filed rate] + base fee – $100 simultaneous

Origination: 0.5%–1%. Appraisal: $400–$600. Inspection: $300–$500. Recording: $60 (Idaho Code § 31-3205). Prepaid: $1,500–$3,000.

Seller Formula

Owner’s title insurance: Sale price ÷ 1,000 × [filed rate] + base fee (seller pays)

Commissions: 5%–6%. Release: $15 (Idaho Code § 31-3205). Transfer tax: $0.

Getting Rates

doi.idaho.gov/short-term-escrow-rates/ — look for Kootenai County. Compare at least two quotes.

Discounts

Simultaneous issue: $100. Reissue: up to 40% within 2 years per IDAPA 18.05.01.013. Seller concessions: up to 3%.

Fact-checked by TitleThrive Editorial

Sources & Citations
  1. Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates
  2. Idaho Code § 31-3205 — County Recording Fees

Rates and fees referenced in this article are based on data filed with the applicable state department of insurance. Filed rates are subject to change. This content is for educational purposes and does not constitute a title insurance quote, legal advice, or financial advice. Contact a licensed title company for current rates specific to your transaction. Learn about our editorial standards.

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Frequently Asked Questions

How do I calculate closing costs in Post Falls?

Get a rate quote from a Kootenai County title company, then: loan amount ÷ 1,000 × rate + base fee for the lender's policy. Add origination, appraisal, inspection, recording ($60 per Idaho Code § 31-3205), and prepaid items.

Are Post Falls rates the same as Coeur d'Alene?

Yes — both cities are in Kootenai County with the same companies filing the same rates per the Idaho DOI.

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