Which closing cost would remain unchanged when making a cash payment?

The transfer tax would remain unchanged when making a cash payment because it is a government-imposed fee based on the sale price of the property, not influenced by the method of payment. Whether the property is purchased with cash or through a financing arrangement, the transfer tax calculation is the same, so it does not vary between these two payment methods.

In contrast, the earnest money is typically part of the negotiation process and can vary based on the agreed terms regardless of payment type. The loan origination fee specifically pertains to financing, so it would not apply to a cash transaction at all. The home inspection fee is related to the condition and valuation of the property, which could also be independent of how the property is paid for, but it often takes place prior to closing and may be determined by other factors such as has the offer been accepted or not. Thus, the transfer tax represents a stable cost that remains unchanged regardless of how the purchase is financed.