Twelve calculators built on the current Georgia statutes — including the HB 586 intangible tax change that took effect July 1, 2025 and that a lot of published material still has wrong.
Full buyer and seller breakdown — transfer tax, intangible tax, recording, title and settlement fees on a Georgia closing.
Open calculator →What the seller walks away with after commission, mortgage payoff and closing costs.
Open calculator →Everything a buyer needs at the table — down payment, intangible tax, prepaids and lender fees.
Open calculator →Georgia transfer tax on the deed. $1.00 for the first $1,000, then $0.10 per additional $100.
Open calculator →Tax on the loan at recording — $1.50 per $500, capped at $25,000, and exempt inside 62 months.
Open calculator →Georgia's flat $25 per instrument under O.C.G.A. 15-6-77. No more per-page pricing.
Open calculator →Splits the year's taxes between buyer and seller. Georgia bills in arrears, so the seller credits the buyer.
Open calculator →Annual property tax from your county millage, using Georgia's 40% assessment ratio.
Open calculator →What Georgia's exemption saves you — and the April 1 deadline that costs people a year of it.
Open calculator →Principal, interest, taxes, insurance and HOA — the whole monthly number.
Open calculator →Federal withholding when the seller is a foreign person. 15%, 10% or exempt.
Open calculator →$1.00 first $1,000, then $0.10 per additional $100 — O.C.G.A. § 48-6-1. Customarily seller-paid, filed with Form PT-61.
$1.50 per $500 of the note (0.3%), capped at $25,000 — O.C.G.A. § 48-6-61. Long-term notes only, 62-month threshold.
$25 flat per instrument — O.C.G.A. § 15-6-77 as amended by HB 288, effective January 1, 2020.
Assessed at 40% of fair market value — O.C.G.A. § 48-5-7 — less a $2,000 standard homestead exemption, times the local millage.
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