Closing costs by state
Closing costs in Kansas
Closing costs in Kansas 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 $10,055. Kansas has no state-level real estate transfer tax.
Last verified ·Sources:klrd.gov·ksrevisor.gov·ksrevisor.gov
The rules
What Kansas does differently
- State transfer tax
- None at the state level.
- Who pays it
- Not applicable.
- County and city add-ons
- None. Deed recording is a flat $17 for the first page and $13 for each additional page (K.S.A. 28-115); the mortgage registration tax was repealed effective January 1, 2019.
- Attorney at closing
- Kansas does not require an attorney at closing; a title or escrow company usually conducts it, and an attorney is optional.
- Owner’s title policy
- Who pays the owner’s title policy in Kansas varies by county or region; it is set by local custom and the contract.
- Notes
- The Legislative Research Department's Kansas Tax Facts lists every state and local tax, and no transfer, deed or conveyance tax is among them. Title companies conduct closings. Who pays the owner's policy follows local custom.
- klrd.gov — “Table 1 Kansas State and Local Taxes: General Property, Sales and Use, Income and Privilege ... Mortgage Registration, All Other”
- ksrevisor.gov — “For recording deeds, mortgages or other instruments of writing, for first page ... a fee of $17”
- ksrevisor.gov — “Repealed, L. 2014, ch. 140, § 22; January 1, 2019.”
Worked example
A $400,000 home in Kansas, 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 follow Kansas’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 |
| Total (2.514% of price) | $10,055 |
Seller pays
| Commission, 5% | $20,000 |
| Title and escrow fees | $2,000 |
| Owner’s title policy (estimate) | $1,500 |
| Prorated property tax | $1,500 |
| Total | $25,000 |
Questions
What people ask about Kansas
- Who pays the transfer tax in Kansas?
- Kansas has no state-level real estate transfer tax.
- Do you need an attorney to close on a house in Kansas?
- Kansas 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 Kansas?
- Who pays the owner’s title policy in Kansas varies by county or region; it is set by local custom and the contract.
- How much are seller closing costs in Kansas?
- On a $400,000 sale with a 5% commission, the worked example on this page comes to $25,000 for the seller, 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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