Arkansas closing cost calculator

As of September 2026, the Zillow Home Value Index lists a typical Arkansas home at $224,158. Our rounded $224,000 figure works out to a $44,800 down payment and a $179,200 mortgage.

This lender fee pays for the work needed to set up your loan. Prepaid interest covers the days from your closing date until your first full payment month begins.

Cash to close means the money you bring to your closing appointment: your down payment plus closing costs. In this example, that amount is $50,024.

The seller's listed costs before commission add up to $739 in this example, and all of it is transfer tax. Arkansas charges a state transfer tax when a home changes hands, and it sets the fee at 0.33% of the price.

With 20% down, estimated buyer closing costs for September 2026 home values of $112,611 to $395,319 run from $3,600 to $10,035.

These rows probably won't match your home exactly, so put its real price into the calculator to see your own figures.

For estimated conventional loan costs, enter the sale price; if 20% doesn't suit your plans, change the down payment afterward. Items in the example include an appraisal, a credit report, prepaid interest, homeowners insurance, an owner's title policy and a loan origination charge. Until you change it yourself, your down payment stays at 20%.

You'll see the agent commission only if you enter a rate. Nationwide, the buyer's agent commission runs to about 2.42% of the price, according to Redfin

The county recording fee isn't in our total, so add it separately. Arkansas Code § 21-6-306 sets a deed filing cost of $15 for one page printed on one side and $5 for each extra page.

Property tax is also outside the closing total. The median yearly bill for an Arkansas home you occupy is $1,040, according to US Census data, about 0.55% of median home value.

Papers you file with the Washington County Circuit Clerk must use 8½ x 11 paper. Legal-size paper adds a $25 non-compliance fee.

Each document must be acknowledged and notarized. A notary is available at the clerk's office if you record there. The office records documents only for Washington County property; each document also needs a legal description of the land.

A licensed title agent must be on board at every Arkansas title insurance agency, which under Arkansas rules must be based in the state.

Our calculator uses a national estimate for the owner's title policy, so your actual quote may be different. Arkansas's unauthorized practice of law committee explains that preparing deeds and similar legal papers counts as the practice of law. Since drafting a deed is legal work in Arkansas, you can have it prepared only by an Arkansas-admitted lawyer.