Kansas closing cost calculator

Kansas buyers pay no transfer or mortgage tax; the old mortgage registration fee was repealed in 2019.

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

State Closing date

Kansas: No state transfer tax. Owner’s title is usually paid by the seller.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $53,471

2.3%closing costs

Purchase price$240,000
Down payment (20%)$48,000
- Loan amount$192,000
Loan costs+$2,620
- Origination and lender feesest.+$1,920
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,222
- Property tax credit from the sellerest.−$2,222
Prepaids and escrow+$3,273
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$923
- Property tax escrow (3 months)est.+$600
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$53,471

Estimated monthly payment$1,539

Principal and interest$1,214
Mortgage insurance$0
Property taxes$200
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 Kansas purchase, worked out

The calculator opens on $240,000, about the median value of an owner-occupied home in Kansas ($238,700, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $53,471: $48,000 down and $5,471 in closing costs, 2.3% of the price. Kansas charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,539, with property tax and insurance.

Cash to close on $240,000, 20% down
Down payment	$48,000
Origination and lender feesest.	+$1,920
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,222
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$923
Property tax escrow (3 months)est.	+$600
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$53,471

Estimates are tagged “est.”; Kansas’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

Kansas has no state tax of its own on the buyer. Each row has 20% down on a conventional loan.

Price	Kansas’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$5,522	$55,522	$1,597
$500,000	—	$7,960	$107,960	$3,153
$750,000	—	$10,850	$160,850	$4,730
$1,000,000	—	$13,800	$213,800	$6,307
$2,000,000	—	$25,599	$425,599	$12,613

Buying in Kansas: what to know

No buyer’s taxes

Kansas has no buyer-paid taxes at closing. The mortgage registration fee was phased out and repealed effective January 1, 2019, so mortgages pay recording fees only.

No state transfer tax

Kansas has never had a deed transfer tax; only recording fees apply. Kansas is also a non-disclosure state for sale prices.

Title insurance

By Kansas custom, including in the Kansas City metro and Wichita, the seller pays for the owner’s policy. Confirm with your title company and contract.

Who runs the closing

Title and escrow companies close Kansas sales. An attorney isn’t required.

Property taxes and escrow

Kansas bills the calendar year in November. The full amount or the first half is due December 20 and the second half May 10 of the next year. The seller credits the buyer from January 1 to closing.

Buying in Kansas: questions

Is there a mortgage registration tax in Kansas?

Not anymore. Kansas repealed its mortgage registration fee effective January 1, 2019.

What taxes does a buyer pay at closing in Kansas?

None. Kansas has no transfer tax and no mortgage tax; buyers pay recording fees only.

Is Kansas a non-disclosure state?

Yes. Kansas doesn’t make sale prices public through the deed record.

How much are closing costs in Kansas?

On a $240,000 home with 20% down on a conventional loan, the calculator’s estimates put a Kansas buyer’s closing costs at about $5,471, or 2.3% of the price, and cash to close at $53,471. Kansas charges the buyer no state transfer or mortgage tax. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

Is anything I type saved?

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