Closing Costs

Who Pays Closing Costs in Post Falls, Idaho?

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

In Post Falls, Idaho, closing costs follow standard Idaho customs: 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. Post Falls 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 Post Falls, Idaho

Closing Costs in Post Falls

Post Falls — Kootenai County’s second-largest city, just west of Coeur d’Alene — follows the same Idaho closing cost customs as the rest of the state. Buyers handle lender expenses; sellers cover title insurance and commissions.

Buyer Pays

Lender’s title insurance: Idaho is a filed-rate state (IDAPA 18.05.01). Rates filed with the Idaho DOI vary by company. Request quotes from multiple Kootenai County companies.

Loan origination: 0.5% to 1%.

Appraisal and inspection: $400–$600 and $300–$500.

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

Prepaid items: Taxes, insurance, mortgage interest.

Seller Pays

Owner’s title insurance: Seller pays by Idaho custom.

Commissions: 5% to 6%.

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

Transfer tax: $0 — none in Idaho.

Kootenai County Title Companies

Post Falls is served by the same Kootenai County companies as Coeur d’Alene. The filed-rate system means rates vary — always compare at least two quotes. Statewide companies compete with northern Idaho regional firms.

Negotiation

All costs negotiable per the purchase agreement. Simultaneous issue: $100 discount. Reissue: up to 40% within 2 years per IDAPA 18.05.01.013. Seller concessions: up to 3% on conventional loans.

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

Who pays closing costs in Post Falls?

Buyers pay lender-related fees and recording. Sellers pay owner's title insurance, commissions, and mortgage release. Standard Idaho custom, negotiable.

Are Post Falls closing costs the same as Coeur d'Alene?

The rate structure is identical — both are in Kootenai County with the same companies. Differences in home prices may affect absolute costs.

Is there a transfer tax in Post Falls?

No. Idaho has no transfer tax at any level.

Related Articles

  • Idaho home purchased with VA loan benefits

    Closing Costs

    VA Loan Closing Costs in Idaho: What Veterans Pay

    VA loan closing costs in Idaho are generally lower than conventional loans because VA loans require no down payment, no private mortgage insurance, and the VA limits certain fees sellers can charge. Idaho-specific costs include escrow rates of $3.00 to $3.50 per $1,000 (filed-rate state per IDAPA 18.05.01), recording fees of $15 for deeds and $45 for mortgages (Idaho Code § 31-3205), and no transfer tax.

    7 min read

  • Idaho home purchased with FHA financing

    Closing Costs

    FHA Loan Closing Costs in Idaho: What to Expect

    FHA loan closing costs in Idaho typically run 2% to 5% of the purchase price, similar to conventional loans but with key differences: FHA requires upfront mortgage insurance (1.75% of loan amount), allows lower down payments (3.5%), and permits sellers to contribute up to 6% toward closing costs. Idaho-specific costs include filed escrow rates and $60 in recording fees (Idaho Code § 31-3205). No transfer tax.

    7 min read

  • Idaho homeowner refinancing their mortgage

    Closing Costs

    Refinance Closing Costs in Idaho: What to Expect

    Refinance closing costs in Idaho typically run $2,000 to $5,000 — lower than purchase transactions because there's no owner's title insurance, no real estate commissions, and no transfer tax. Idaho title companies file separate refinance escrow rates with the Idaho DOI, often with lower minimums than purchase rates. Recording fees remain $45 for the new mortgage and $15 for the old mortgage release (Idaho Code § 31-3205).

    7 min read