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.

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.

Need a Title Agency Website?

We build websites for title & escrow companies.

Your title company's clients are searching for these answers.

We help title agencies build websites that educate and convert.

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.

Related Articles

  • real estate signing at title office

    Title Insurance

    What Is Title Insurance and Do You Need It in Idaho?

    Title insurance is a one-time policy purchased at closing that protects property owners and lenders against financial losses from defects in the property's title — such as undiscovered liens, ownership disputes, or recording errors. In Idaho, the seller customarily pays for the owner's policy and the buyer pays for the lender's policy. Rates are filed by each company with the Idaho Department of Insurance.

    8 min read

  • trusted title agent business associate

    Closing Costs

    Who Pays Closing Costs in Meridian, Idaho?

    In Meridian, Idaho, closing costs are split between buyer and seller by custom and negotiation. Buyers typically pay lender fees, the lender's title insurance policy, appraisal, inspection, and recording fees ($15 deed, $45 mortgage). Sellers customarily pay the owner's title insurance policy, real estate commissions, and the mortgage release fee. Idaho has no transfer tax.

    6 min read

  • title insurance sales

    Title Insurance

    What Does a Title Company Do in Pocatello, Idaho?

    A title company in Pocatello, Idaho performs three core functions: conducting title searches to verify property ownership, issuing title insurance policies to protect buyers and lenders, and serving as the neutral escrow agent that manages the closing process. In Bannock County, five title companies file escrow rates with the Idaho Department of Insurance, all at $3.00 per $1,000.

    6 min read