Kansas closing cost calculator
Enter a sale price to view every line for both the buyer and seller.
A conventional loan is assumed, with lender fees, plus a lender's policy and prepaids based on sources cited on this page; the down payment stays at 20% until you enter yours; commission is added only after you enter a commission figure.
- Transfer tax charged by the state
- None for a deed
- Rates for title insurance
- Each insurer handles the filing.
- Deed recording
- $21 Shawnee County schedule
With 20% down on a typical $246,000 home, our Kansas closing cost calculator shows buyer costs of about $5,587. Put in your price and down payment, and every line shows up along with the cash you need to close, since Shawnee County requires recording fees to be paid before your deed gets recorded. Kansas charges neither a deed transfer tax nor a mortgage registration tax. Most of the money you pay goes instead to the lender, a title policy and your first year of homeowners insurance.
How Kansas differs
- No state transfer tax applies to a deed in Kansas. klrd.gov
- According to Shawnee County's Register of Deeds, recorded mortgages in Kansas carry no mortgage registration tax. snco.gov
- Later owners, buyers or mortgagees cannot be held to a private transfer fee covenant in Kansas recorded on or after July 1, 2009. kslegislature.gov
- A home resold within three years after the seller bought the home gets a lower reissue rate from some Kansas title agencies. insurance.ks.gov
- Shawnee County allows electronic recording through outside vendors, which charge their own fee in addition to county recording fees. snco.gov
- Recording fees in Shawnee County must be paid before the work that the Register of Deeds does. snco.gov
- Title insurance: each insurer files it. Every title agency submits its rates and charges to the Kansas Department of Insurance. Anyone may inspect the filings. insurance.kansas.gov
- Deed recording costs $21, and mortgage recording costs $21 (Shawnee County schedule). snco.gov
Closing costs for a $246,000 home in Kansas
Deed recording in Kansas carries no state transfer tax, and the Shawnee County Register of Deeds confirms no mortgage registration tax for recorded mortgages.
What remains covers lender charges, title insurance and county recording, along with insurance and interest paid in advance. For a $246,000 home, the down payment is $49,200 and the loan is $196,800. Altogether, the amount is $5,587, about 2.3% of the price. Your cash to close comes to $54,787 once closing costs are added to your down payment.
To arrange the loan, your lender charges an origination fee. Prepaid interest in the example pays 15 days of loan interest. Add your own price and down payment to the calculator for a line-by-line breakdown of your home's costs.
| Line | Paid by | Amount | Basis |
|---|---|---|---|
| Origination charge | Buyer | $1,968 | 1% of $196,800 |
| Appraisal | Buyer | $359 | |
| Credit report | Buyer | $30 | |
| Owner's title policy | Buyer | $1,033 | 0.42% of $246,000 |
| Recording, deed | Buyer | $21 | county estimate |
| Recording, mortgage | Buyer | $21 | county estimate |
| Homeowners insurance, 12 months | Buyer | $1,569 | |
| Prepaid interest, 15 days | Buyer | $586 | 7.24% on $196,800 |
Kansas closing costs for different home types
The lower-priced third of Kansas homes had typical values of $118,565, while the higher-priced third reached $451,553 (September 2026). When you put 20% down and leave commission out, buyer costs range between $3,252 and $8,641:
| Home | Typical value | Buyer closing costs | Cash to close, 20% down | Seller costs before commission |
|---|---|---|---|---|
| Lower-priced third of homes | $118,565 | $3,729 | $27,442 | $0 |
| 1 bedroom | $85,876 | $3,252 | $20,427 | $0 |
| 2 bedrooms | $131,408 | $3,916 | $30,198 | $0 |
| Condo or co-op | $193,588 | $4,823 | $43,540 | $0 |
| 3 bedrooms | $238,013 | $5,470 | $53,073 | $0 |
| Single-family house | $247,057 | $5,602 | $55,014 | $0 |
| 4 bedrooms | $380,641 | $7,550 | $83,678 | $0 |
| 5 or more bedrooms | $455,496 | $8,641 | $99,740 | $0 |
| Higher-priced third of homes | $451,553 | $8,584 | $98,894 | $0 |
Who pays closing costs in Kansas
In the calculator's $246,000 example, buyer costs include prepaid interest, homeowners insurance, recording, title insurance and lender charges. The calculator's example lists no seller closing costs ahead of commission and any mortgage payoff. Kansas applies no state deed transfer tax. For a $400,000 sale, the seller pays $0, whereas the median state charges $440.
Across the country, a buyer's agent charges an average of 2.42% of the price; you must enter a rate before the calculator adds commission.
Certain older homes carry a private transfer fee. This recorded obligation must be paid each time the property changes hands. Fees recorded on or after July 1, 2009 can't be enforced against later owners, buyers or lenders
| Line | Customary payer | Rate or amount | Source |
|---|---|---|---|
| Owner's title policy | Varies by county | filed by each insurer rate | insurance.kansas.gov |
| Recording the deed | Buyer | $21 | snco.gov |
| Recording the mortgage | Buyer | $21 | snco.gov |
| Origination charge | Buyer | At 1% of the loan amount | bankrate.com |
| Appraisal | Buyer | $359 | angi.com |
| Buyer's agent commission | Set in the buyer agreement | 2.42% average | redfin.com |
Steps to take before you close
- First, run your numbers in the calculator to learn your cash to close, because in Shawnee County you must pay recording fees before the Register of Deeds records your deed.
- Ask your title agency whether a reissue rate applies and whether the home was bought by the seller within the past 3 years. Your largest line items include the owner's policy.
Costs for you across different homes
Your total changes most with the price of the home. During September 2026, typical Kansas home values ranged between $118,565 for the lower-priced third and $451,553 for the priciest third.
In our data, buyer closing costs for the different home types with 20% down range from about $3,252 to $8,641. Add your price to see your own costs.
In Kansas, a buyer making a 20% down payment on a $400,000 house pays $7,832. This figure sits $18 under the $7,850 median for the 50 states and DC.
Kansas title insurance costs
Rates for title insurance differ among Kansas agencies. Agencies file rates with the Kansas Department of Insurance. Anyone may review those filings.
For a home the seller purchased within the past 3 years, a reduced reissue rate is offered by some Kansas title agencies. It makes sense to ask about it, because your owner's policy ranks among your biggest line items.
Fees for recording and county rules
Counties charge fees to add your deed and mortgage to the public record. Each recording in Shawnee County costs $21, and the Register of Deeds cannot begin processing until payment arrives. You can also record electronically through outside vendors, who add their own fee to the county's.
Does Kansas require an attorney for closing?
In Kansas, the law does not require an attorney to complete a residential closing.
Closing costs in states near Kansas
A Kansas buyer pays $5,587 for the same $246,000 home. Neighboring states have fairly similar totals, although some add a transfer tax.
Since Kansas applies no deed transfer tax, you can plan for most of your costs ahead of time. Try the calculator now: add your price and down payment for an estimate of the cash you need to close before you make an offer.