Oklahoma closing cost calculator

Oklahoma buyers who finance pay a mortgage tax of 0.1% of the loan, plus a $10 certification fee.

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

State Closing date

Oklahoma: Documentary stamp tax: 0.15% of the price, and the seller usually pays it. Buyers also pay mortgage tax. 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 $49,545

2.5%closing costs

Purchase price$220,000
Down payment (20%)$44,000
- Loan amount$176,000
Loan costs+$2,460
- Origination and lender feesest.+$1,760
- Appraisalest.+$700
Title and closing+$1,350
- Lender’s title insuranceest.+$500
- Settlement or escrow feeest.+$600
- Recording feesest.+$250
Taxes−$1,861
- Mortgage tax+$176
- Property tax credit from the sellerest.−$2,037
Prepaids and escrow+$3,146
- Homeowner’s insurance, first yearest.+$1,500
- Prepaid interest (27 days)est.+$846
- Property tax escrow (3 months)est.+$550
- Insurance escrow (2 months)est.+$250
Other costs+$450
- Home inspectionest.+$450
Cash to close$49,545

Estimated monthly payment$1,420

Principal and interest$1,112
Mortgage insurance$0
Property taxes$183
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 Oklahoma purchase, worked out

The calculator opens on $220,000, about the median value of an owner-occupied home in Oklahoma ($222,100, 2024 Census estimate), with 20% down on a 30-year conventional loan and a closing on December 5, 2026.

The buyer brings about $49,545: $44,000 down and $5,545 in closing costs, 2.5% of the price. Oklahoma’s taxes on the buyer come to $176 of that: mortgage tax $176. The monthly payment comes to about $1,420, with property tax and insurance.

Cash to close on $220,000, 20% down
Down payment	$44,000
Origination and lender feesest.	+$1,760
Appraisalest.	+$700
Lender’s title insuranceest.	+$500
Settlement or escrow feeest.	+$600
Recording feesest.	+$250
Mortgage tax	+$176
Property tax credit from the sellerest.	−$2,037
Homeowner’s insurance, first yearest.	+$1,500
Prepaid interest (27 days)est.	+$846
Property tax escrow (3 months)est.	+$550
Insurance escrow (2 months)est.	+$250
Home inspectionest.	+$450
Cash to close	$49,545

Estimates are tagged “est.”; Oklahoma’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

Oklahoma’s buyer taxes: the mortgage tax (0.1% of the loan). Each row has 20% down on a conventional loan.

Price	Oklahoma’s buyer taxes	Closing costs	Cash to close	Monthly payment
$250,000	$200	$5,722	$55,722	$1,597
$500,000	$400	$8,360	$108,360	$3,153
$750,000	$600	$11,450	$161,450	$4,730
$1,000,000	$800	$14,600	$214,600	$6,307
$2,000,000	$1,600	$27,199	$427,199	$12,613

Buying in Oklahoma: what to know

Taxes buyers pay

Oklahoma charges a mortgage tax of $0.10 per $100 (0.1%) on loans of five years or more, lower for shorter terms, plus a $10 county certification fee. The borrower usually pays it: $320 plus the fee on a $320,000 loan.

Documentary stamp tax

Oklahoma’s documentary stamp tax is $0.75 per $500 (0.15%), rounded up to the next $500, on the price minus the value of any lien that remains on the property. The law places it on the person who signs the deed or benefits from it, and by custom the seller pays.

Title insurance

The Oklahoma seller traditionally furnishes the abstract or title evidence, and the owner’s policy premium is allocated by contract and local custom. Confirm with your title company.

Who runs the closing

Title companies close Oklahoma sales. Attorney title opinions based on abstracts are still used in some areas.

Property taxes and escrow

Oklahoma generally bills the calendar year in the fall, due by December 31 or in halves by December 31 and March 31, so taxes are paid in arrears and the seller credits the buyer.

Buying in Oklahoma: questions

Is there a mortgage tax in Oklahoma?

Yes. Oklahoma charges $0.10 per $100 of the loan (0.1%) on mortgages of five years or more, plus a $10 county certification fee, and the borrower usually pays it.

Does the buyer pay transfer tax in Oklahoma?

Not by custom. The seller usually pays Oklahoma’s documentary stamp tax.

When are property taxes due in Oklahoma?

Oklahoma generally bills in the fall, due by December 31 or in halves by December 31 and March 31.

How much are closing costs in Oklahoma?

On a $220,000 home with 20% down on a conventional loan, the calculator’s estimates put a Oklahoma buyer’s closing costs at about $5,545, or 2.5% of the price, and cash to close at $49,545. Oklahoma’s taxes on the buyer come to $176 of that: mortgage tax $176. Lender fees, insurance and the rate vary, so put in your lender’s Loan Estimate for a closer number.

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