Missouri closing cost calculator

Missouri buyers pay no transfer or mortgage tax. The buyer usually pays for the lender’s title policy, and the owner’s policy is optional.

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

State Closing date

Missouri: 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 $56,548

2.2%closing costs

Purchase price$255,000
Down payment (20%)$51,000
- Loan amount$204,000
Loan costs+$2,740
- Origination and lender feesest.+$2,040
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$2,361
- Property tax credit from the sellerest.−$2,361
Prepaids and escrow+$3,369
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$981
- Property tax escrow (3 months)est.+$638
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$56,548

Estimated monthly payment$1,627

Principal and interest$1,289
Mortgage insurance$0
Property taxes$213
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 Missouri purchase, worked out

The calculator opens on $255,000, about the median value of an owner-occupied home in Missouri ($254,400, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $56,548: $51,000 down and $5,548 in closing costs, 2.2% of the price. Missouri charges the buyer no state transfer or mortgage tax. The monthly payment comes to about $1,627, with property tax and insurance.

Cash to close on $255,000, 20% down
Down payment	$51,000
Origination and lender feesest.	+$2,040
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Property tax credit from the sellerest.	−$2,361
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$981
Property tax escrow (3 months)est.	+$638
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$56,548

Estimates are tagged “est.”; Missouri’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

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

Price	Missouri’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 Missouri: what to know

No buyer’s taxes

Missouri has no buyer-paid transfer or mortgage tax. Buyers pay recording fees only.

No state transfer tax

Missouri has no state or local real estate transfer tax. Since 2010 the Missouri Constitution has barred the state and local governments from imposing any new tax on the sale or transfer of real estate, so only flat recording fees apply.

Title insurance

Missouri’s Department of Commerce and Insurance says the seller often pays for the owner’s policy and the buyer pays for the lender’s, and suggests asking your agent what is usual locally. Practice may differ in some metro counties. The owner’s policy isn’t required.

Who runs the closing

Title companies acting as settlement agents typically close Missouri sales. An attorney isn’t required.

Property taxes and escrow

Missouri taxes the calendar year based on ownership January 1. Bills go out in the fall and are due by December 31. At closing the seller credits the buyer from January 1 to closing, usually based on the prior year’s bill.

Buying in Missouri: questions

Is owner’s title insurance required in Missouri?

No. It is optional in Missouri, and some buyers are offered an attorney’s opinion letter instead. Lenders require their own policy.

What taxes does a buyer pay at closing in Missouri?

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

When are property taxes due in Missouri?

Missouri property tax bills go out in the fall and are due by December 31. The seller’s credit at closing covers the part of the year they owned the home.

How much are closing costs in Missouri?

On a $255,000 home with 20% down on a conventional loan, the calculator’s estimates put a Missouri buyer’s closing costs at about $5,548, or 2.2% of the price, and cash to close at $56,548. Missouri 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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