Closing Costs

Who Pays Closing Costs in Coeur d’Alene, Idaho?

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

In Coeur d'Alene, Idaho, closing costs are split between buyer and seller. Buyers pay lender fees, lender's title insurance, and recording fees ($15 deed, $45 mortgage per Idaho Code § 31-3205). Sellers pay the owner's title insurance, commissions, and mortgage release. Coeur d'Alene is in Kootenai County. Idaho is a filed-rate state — rates vary by company per the Idaho DOI. No transfer tax.

Home buyers and sellers reviewing closing cost responsibilities in Coeur D Alene, Idaho

Closing Costs in Coeur d’Alene

Coeur d’Alene — the resort city on Lake Coeur d’Alene and seat of Kootenai County in northern Idaho — follows standard Idaho closing cost customs. The division: buyers pay lender-related costs, sellers pay title insurance and commissions.

Coeur d’Alene’s higher property values (especially lakefront and resort properties) mean higher absolute closing costs than many Idaho markets.

Buyer Pays

Lender’s title insurance: Idaho is a filed-rate state (IDAPA 18.05.01) — rates are filed by each company with the Idaho DOI and vary by company and county.

Loan origination: 0.5% to 1%.

Appraisal: $400 to $700 (lakefront and larger properties may cost more).

Inspection: $300 to $600.

Recording: $15 deed + $45 mortgage (Idaho Code § 31-3205, uniform statewide).

Seller Pays

Owner’s title insurance: Seller pays by Idaho custom. Rates vary — request quotes from multiple Kootenai County companies.

Commissions: 5% to 6%.

Mortgage release: $15 (Idaho Code § 31-3205).

Transfer tax: $0 — Idaho has none.

Kootenai County Market

Kootenai County has several title companies filing rates with the Idaho DOI. Northern Idaho companies like regional companies operate alongside statewide firms. Compare at least two quotes — as a filed-rate state, Idaho allows price competition.

Coeur d’Alene-Specific Considerations

Lakefront properties, resort condos, and properties with complex easements (dock rights, lake access, shared driveways) may require additional title endorsements and more extensive title searches. These can add to closing costs beyond the standard per-thousand rate.

Negotiation

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

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
  3. IDAPA 18.05.01 — Rules for Title Insurance Regulation

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

Who pays closing costs in Coeur d'Alene?

Standard Idaho split: buyers pay lender fees, lender's title insurance, and recording. Sellers pay owner's title insurance, commissions, and mortgage release. Negotiable through the purchase agreement.

Are closing costs higher in Coeur d'Alene?

In absolute dollars, yes — higher property values mean higher costs since most fees are calculated on the transaction amount. The rates and structure are the same as the rest of Idaho. Lakefront properties may also need additional endorsements.

Is there a transfer tax in Kootenai County?

No. Idaho has no transfer tax at any level — state, county, or city.

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