Bankrate just released their 2007 study of closing costs for every state.

Closing costs can be divided into three categories.
Closing costs:
• Origination fees charged by the lender.
• Title and settlement fees charged by third parties.
• Taxes and prepaid items such as homeowners insurance, association fees and prorated interest.

Bankrate’s survey includes lenders’ origination fees and title and settlement fees, and not taxes or prepaid items. The survey was conducted in June.

The nationwide average closing costs came in at $2,736. Georgia ranked 31st on the list at $2,655.