Kentucky closing cost calculator

Kentucky buyers pay no transfer or mortgage tax. The buyer customarily pays for the owner’s title policy.

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

State Closing date

Kentucky: Real estate transfer tax: 0.1% of the price, and the seller usually pays it. Owner’s title is usually paid by the buyer.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $51,182

2.7%closing costs

Purchase price$225,000
Down payment (20%)$45,000
- Loan amount$180,000
Loan costs+$2,500
- Origination and lender feesest.+$1,800
- Appraisalest.+$700
Title and closing+$2,138
- Lender’s title insuranceest.+$500
- Owner’s title insuranceest.+$788
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,084
- Property tax credit from the sellerest.−$2,084
Prepaids and escrow+$3,178
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$865
- Property tax escrow (3 months)est.+$563
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$51,182

Estimated monthly payment$1,451

Principal and interest$1,138
Mortgage insurance$0
Property taxes$188
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 Kentucky purchase, worked out

The calculator opens on $225,000, about the median value of an owner-occupied home in Kentucky ($226,000, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $51,182: $45,000 down and $6,182 in closing costs, 2.7% of the price. Kentucky charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,451, with property tax and insurance.

Cash to close on $225,000, 20% down
Down payment	$45,000
Origination and lender feesest.	+$1,800
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Owner’s title insuranceest.	+$788
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,084
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$865
Property tax escrow (3 months)est.	+$563
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$51,182

Estimates are tagged “est.”; Kentucky’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

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

Price	Kentucky’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$6,397	$56,397	$1,597
$500,000	—	$9,710	$109,710	$3,153
$750,000	—	$13,475	$163,475	$4,730
$1,000,000	—	$17,300	$217,300	$6,307
$2,000,000	—	$32,599	$432,599	$12,613

Buying in Kentucky: what to know

No buyer’s taxes

Kentucky has no mortgage or intangible recording tax. Buyers pay clerk recording fees only.

Real estate transfer tax

Kentucky law imposes the transfer tax on the seller: $0.50 per $500 of value (0.1%), based on the full price including liens. The county clerk collects it once at recording.

Title insurance

By Kentucky custom the buyer pays for the owner’s policy. Confirm with your title company.

Who runs the closing

Kentucky doesn’t require an attorney at closing, but attorneys commonly do title exams and many closings. The seller typically pays for deed preparation.

Property taxes and escrow

Kentucky taxes the calendar year based on a January 1 assessment, billed in the fall and due by December 31, with a 2% discount if paid by November 1. A mid-year sale happens before the bill goes out, so the seller credits the buyer from January 1 to closing.

Buying in Kentucky: questions

Is there a mortgage tax in Kentucky?

No. Kentucky has no mortgage or intangible tax; the buyer pays recording fees only.

Who pays for title insurance in Kentucky?

By custom the buyer pays for the owner’s policy in Kentucky, along with the lender’s policy.

Do I need an attorney to buy in Kentucky?

It isn’t required, but Kentucky attorneys commonly examine title and handle many closings.

How much are closing costs in Kentucky?

On a $225,000 home with 20% down on a conventional loan, the calculator’s estimates put a Kentucky buyer’s closing costs at about $6,182, or 2.7% of the price, and cash to close at $51,182. Kentucky 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?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.