Understanding line-by-line closing costs on your Loan Estimate (LE) and Closing Disclosure (CD) empowers Nevada homeowners to negotiate lender fees and choose the most cost-effective title escrow provider.
1. Standard Clark County Refinance Fee Breakdown
| Fee Category | Typical Cost Range | Is Fee Negotiable? |
|---|---|---|
| Lender Origination / Processing / Underwriting | $995 to $1,495 (Zero with lender credit) | YES — Shop multiple lenders |
| Lender Title Insurance (ALTA Policy) | $800 to $1,600 (Reissue rate discount) | Regulated by Nevada Division of Insurance |
| Escrow Closing Settlement Fee | $400 to $650 | YES — Select preferred title company |
| Clark County Recording Fee | $82 to $125 flat fee | NO — Fixed county statutory fee |
| Nevada Real Property Transfer Tax (RPTT) | $0.00 (Exempt under NRS 375.090) | NO TAX on refinancing existing liens |