Arkansas closing cost calculator

Arkansas buyers pay half of the 0.33% transfer tax by default. There’s no mortgage tax.

Arkansas’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Arkansas: Real property transfer tax: 0.33% of the price, and buyer and seller usually split it. Owner’s title is usually paid by the seller, though it varies.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $48,699

2.7%closing costs

Purchase price$215,000
Down payment (20%)$43,000
- Loan amount$172,000
Loan costs+$2,420
- Origination and lender feesest.+$1,720
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$1,636
- Real property transfer tax (half)+$355
- Property tax credit from the sellerest.−$1,991
Prepaids and escrow+$3,115
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$827
- Property tax escrow (3 months)est.+$538
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$48,699

Estimated monthly payment$1,391

Principal and interest$1,087
Mortgage insurance$0
Property taxes$179
Insurance$125
HOA dues$0

An estimate, not a Loan Estimate or Closing Disclosure. Your lender's Loan Estimate and the title or escrow company give the final figures. Rates, fees and insurance vary by lender and property.

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A Arkansas purchase, worked out

The calculator opens on $215,000, about the median value of an owner-occupied home in Arkansas ($215,600, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $48,699: $43,000 down and $5,699 in closing costs, 2.7% of the price. Arkansas’s taxes on the buyer come to $355 of that: real property transfer tax (half) $355. The monthly payment comes to about $1,391, with property tax and insurance.

Cash to close on $215,000, 20% down
Down payment	$43,000
Origination and lender feesest.	+$1,720
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Real property transfer tax (half)	+$355
Property tax credit from the sellerest.	−$1,991
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$827
Property tax escrow (3 months)est.	+$538
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$48,699

Estimates are tagged “est.”; Arkansas’s taxes follow its rules. A “−” is a credit, like the seller’s share of this year’s property tax where it’s paid after the year ends.

At other prices

Arkansas has no state tax of its own on the buyer. The buyer usually pays half the real property transfer tax. Each row has 20% down on a conventional loan.

Price	Arkansas’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$413	$5,935	$55,935	$1,597
$500,000	$825	$8,785	$108,785	$3,153
$750,000	$1,238	$12,088	$162,088	$4,730
$1,000,000	$1,650	$15,450	$215,450	$6,307
$2,000,000	$3,300	$28,899	$428,899	$12,613

Buying in Arkansas: what to know

No buyer’s taxes

Arkansas buyers pay their half of the transfer tax, 0.165% of the price by default. There’s no mortgage recording tax.

Real property transfer tax

Arkansas’s real property transfer tax is $3.30 per $1,000 of the price (0.33%) when the consideration is over $100, paid with documentary stamps. Unless the contract says otherwise, state law splits it half to the seller and half to the buyer.

Title insurance

Arkansas has no set custom for the owner’s title policy; the Arkansas Realtors contract lets the parties allocate it, and seller-paid and split arrangements are both common. Check your contract and confirm with your title company.

Who runs the closing

Title companies typically close Arkansas sales. An attorney isn’t required.

Property taxes and escrow

Arkansas taxes levied for one year are collected the next, payable from the first business day of March through October 15. At closing the seller credits the buyer for the current year to date, and for last year’s bill too if it hasn’t been paid.

Buying in Arkansas: questions

How much transfer tax does a buyer pay in Arkansas?

Half of the 0.33% tax by default, or 0.165% of the price, unless the contract assigns it differently.

Is there a mortgage tax in Arkansas?

No. Arkansas buyers pay recording fees on the mortgage but no tax based on the loan amount.

When will I pay my first property tax bill in Arkansas?

Arkansas collects taxes a year behind: the bill for one year is payable from March through October 15 of the next. The seller’s credit at closing covers their share of the time you’ll pay for.

How much are closing costs in Arkansas?

On a $215,000 home with 20% down on a conventional loan, the calculator’s estimates put a Arkansas buyer’s closing costs at about $5,699, or 2.7% of the price, and cash to close at $48,699. Arkansas’s taxes on the buyer come to $355 of that: real property transfer tax (half) $355. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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