Mississippi closing cost calculator

Mississippi buyers pay no transfer or mortgage tax. Recording fees are flat and don’t depend on the price.

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

State Closing date

Mississippi: No state transfer tax. Owner’s title is usually paid by the seller. An attorney usually handles the closing.

Purchase price

$

The loan

Loan type

Down payment

Interest rate

%

Term

Estimated cash to close $43,092

3.3%closing costs

Purchase price$185,000
Down payment (20%)$37,000
- Loan amount$148,000
Loan costs+$2,180
- Origination and lender feesest.+$1,480
- Appraisalest.+$700
Title and closing+$2,250
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Closing attorneyest.+$900
- Recording feesest.+$250
Taxes−$1,713
- Property tax credit from the sellerest.−$1,713
Prepaids and escrow+$2,925
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$712
- Property tax escrow (3 months)est.+$463
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$43,092

Estimated monthly payment$1,214

Principal and interest$935
Mortgage insurance$0
Property taxes$154
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 Mississippi purchase, worked out

The calculator opens on $185,000, about the median value of an owner-occupied home in Mississippi ($186,500, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $43,092: $37,000 down and $6,092 in closing costs, 3.3% of the price. Mississippi charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,214, with property tax and insurance.

Cash to close on $185,000, 20% down
Down payment	$37,000
Origination and lender feesest.	+$1,480
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Closing attorneyest.	+$900
Recording feesest.	+$250
Property tax credit from the sellerest.	−$1,713
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$712
Property tax escrow (3 months)est.	+$463
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$43,092

Estimates are tagged “est.”; Mississippi’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

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

Price	Mississippi’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	—	$6,422	$56,422	$1,597
$500,000	—	$8,860	$108,860	$3,153
$750,000	—	$11,750	$161,750	$4,730
$1,000,000	—	$14,700	$214,700	$6,307
$2,000,000	—	$26,499	$426,499	$12,613

Buying in Mississippi: what to know

No buyer’s taxes

Mississippi has no buyer-paid transfer or mortgage tax; recording fees are flat.

No state transfer tax

Mississippi has no state or local real estate transfer tax. Recording fees are uniform and flat statewide: $25 per deed for the first five pages ($26 in counties with the $1 archive fee) plus $1 per extra page.

Title insurance

The seller traditionally pays for the owner’s policy in Mississippi, but it is negotiable, so confirm with your closing attorney and contract.

Who runs the closing

Mississippi closings are customarily run by a closing attorney, who also examines and certifies title for the title insurer. A seller usually pays for deed preparation.

Property taxes and escrow

Mississippi property taxes are due on or before February 1 for the prior year. At closing the seller credits the buyer for January 1 to closing, usually estimated from the prior year’s bill.

Buying in Mississippi: questions

What taxes does a buyer pay at closing in Mississippi?

None on the transfer or the loan. Mississippi buyers pay flat recording fees only.

Who closes a home sale in Mississippi?

Mississippi closings are commonly run by a closing attorney who also examines title.

How much are recording fees in Mississippi?

Mississippi charges a flat $25 per deed for the first five pages ($26 in some counties) plus $1 per extra page, whatever the price.

How much are closing costs in Mississippi?

On a $185,000 home with 20% down on a conventional loan, the calculator’s estimates put a Mississippi buyer’s closing costs at about $6,092, or 3.3% of the price, and cash to close at $43,092. Mississippi 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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