Missouri closing cost calculator

As of September 2026, the Zillow Home Value Index lists a typical Missouri home at $265,387. That figure became $265,000 after rounding, with $53,000 down and $212,000 still owed on the loan. Adding up the listed charges gives $5,874, and you would need $58,874 in cash at closing.

To arrange your loan, your lender charges an origination fee. Prepaid interest covers the days between your closing date and the start of your first full payment month.

The lower-priced third of Missouri homes has a typical value of $149,702, and the higher-priced third reaches $448,063. When you put 20% down, buyer closing costs fall between $3,898 and $9,648. A buyer in Missouri pays $7,842 to close on a $400,000 home, which is just $8 below the median across the 50 states and DC.

These amounts change with your price and down payment. Enter your own figures in the calculator to see your total.

In certain states, transferring a home brings a transfer tax. Missouri does not charge either party Except for commission and mortgage payoff, the $265,000 example leaves sellers without any closing cost lines of their own. At a $400,000 price, sellers in the median state pay $440 in these costs, while sellers in Missouri pay $0. Missouri law also shields later owners from transfer fees that private parties impose. Later owners can't be held to such an agreement once it has been recorded on or after September 1, 2008; liens securing those fees are void.

Property tax is something you pay every year after you move in. The median yearly property tax bill for an owner-occupied Missouri home is $1,948, equal to roughly 0.85% of what a median home is worth.

Enter the sale price first; the calculator then shows what buyer and seller each pay. A conventional loan is assumed, along with lender fees, a lender's title policy and prepaid costs. The down payment remains at 20% until you enter your own amount.

Two lines in Missouri deserve a closer look. Title insurance protects both you and your lender if an ownership problem from the past appears later. There is no single statewide rate, so pricing varies. Instead, each insurer sends the Department of Insurance a county-by-county rate schedule of its own. New rates must wait at least 30 days after filing before they begin. Title records covering at least 45 years must be checked by the insurer or its agent before a policy is written.

Recording fees are set by each county. In Boone County, the first page of a standard document costs $26, and each extra page costs $3. A non-standard document costs $51 for its first page; the calculator applies $26 to both the deed and the mortgage.

Review the cash you will need at closing before making an offer.

According to Redfin, a buyer's agent charges an average commission of 2.42% of the price nationwide. The actual rate comes from your agreement with your agent, so yours may be different. The calculator leaves commission out unless you enter a rate, so you can view costs with and without it.

Enter your agent's rate to find out how it affects your total in the calculator.

Closing on the same $265,000 home costs a buyer in Missouri $5,874. Neighbouring states have different taxes, while their title rates and recording fees also vary; buyer totals there range from $5,822 up to $7,070. No matter who pays it, every transfer tax figure below gives the full amount.

• Missouri (home state): buyer closing costs $5,874, transfer tax $0
• Arkansas: buyer closing costs $5,822, transfer tax $875
• Illinois: buyer closing costs $5,990, transfer tax $265
• Iowa: buyer closing costs $5,829, transfer tax $424
• Kansas has $5,864 in buyer closing costs and $0 in transfer tax
• For Kentucky, buyer closing costs are $5,822; transfer tax comes to $265
• Nebraska buyer closing costs total $5,842, and the transfer tax is $880
• In Oklahoma, buyer closing costs are $5,822, and transfer tax is $398
• Tennessee buyer closing costs reach $7,070, and the transfer tax is $981