Closing costs by state
Closing costs in Arkansas
Closing costs in Arkansas run about 2% to 5% of the price for a buyer, made of lender fees, title and settlement, recording, prepaid interest and escrow reserves; on a $400,000 home the worked example below comes to $10,715. Arkansas charges a state transfer tax of $3.30 per $1,000 of consideration on transactions over $100 (real property transfer tax, Ark. Code Ann. § 26-60-101), about 0.33% of the price, and it is customarily split between buyer and seller.
Last verified ·Sources:dfa.arkansas.gov
The rules
What Arkansas does differently
- State transfer tax
- $3.30 per $1,000 of consideration on transactions over $100 (real property transfer tax, Ark. Code Ann. § 26-60-101) (about 0.33% of the price at $400,000).
- Who pays it
- Split between buyer and seller.
- County and city add-ons
- None; no county or city transfer taxes.
- Attorney at closing
- Arkansas does not require an attorney at closing; a title or escrow company usually conducts it, and an attorney is optional.
- Owner’s title policy
- The seller customarily pays for the owner’s title insurance policy in Arkansas; the buyer pays for the lender’s policy.
- Notes
- The statute apportions the tax half to the grantor and half to the grantee unless the parties agree otherwise; contracts often shift it to the seller. $1,320 on a $400,000 sale.
- dfa.arkansas.gov — “The tax rate is $3.30 per $1,000 of actual consideration on transactions that exceed $100.”
Worked example
A $400,000 home in Arkansas, 20% down
Loan of $320,000 at 6.5%, closing on the 15th. Lender, title and recording figures are typical line items used for illustration, the same on every state page; the transfer tax and the owner’s policy side follow Arkansas’s rules above. Not a quote: the calculator takes your own figures.
Buyer pays
| Loan origination, 1% of the loan | $3,200 |
| Appraisal | $550 |
| Title and settlement services | $1,800 |
| Lender’s title policy | $900 |
| Recording | $150 |
| Prepaid interest, 15 days at 6.5% | $855 |
| Escrow reserve, 3 months of tax at 1.1% | $1,100 |
| First year of homeowners insurance | $1,500 |
| Transfer tax, buyer’s share (0.165%) | $660 |
| Total (2.679% of price) | $10,715 |
Seller pays
| Commission, 5% | $20,000 |
| Title and escrow fees | $2,000 |
| Owner’s title policy (estimate) | $1,500 |
| Prorated property tax | $1,500 |
| Transfer tax, seller’s share (0.165%) | $660 |
| Total | $25,660 |
Questions
What people ask about Arkansas
- Who pays the transfer tax in Arkansas?
- Arkansas charges a state transfer tax of $3.30 per $1,000 of consideration on transactions over $100 (real property transfer tax, Ark. Code Ann. § 26-60-101), about 0.33% of the price, and it is customarily split between buyer and seller.
- Do you need an attorney to close on a house in Arkansas?
- Arkansas does not require an attorney at closing; a title or escrow company usually conducts it, and an attorney is optional.
- Who pays for the owner’s title policy in Arkansas?
- The seller customarily pays for the owner’s title insurance policy in Arkansas; the buyer pays for the lender’s policy.
- How much are seller closing costs in Arkansas?
- On a $400,000 sale with a 5% commission, the worked example on this page comes to $25,660 for the seller, including $660 of transfer tax, before the mortgage payoff and any concessions or repairs. The seller net sheet calculator shows the walk-away figure.
Last reviewed September 8, 2026 by the EstatePass editorial team. Formulas and program limits are checked against the published rules; figures on this page are arithmetic, not market statistics.
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