Closing Cost Calculator for Missouri

Closing Costs in Missouri

Buyers in Missouri typically pay around $2,500 in total closing costs. Missouri has no state transfer tax, which significantly reduces closing costs compared to many other states. Recording fees are the primary variable cost.

What's Included in Missouri Closing Costs?

• Transfer & recording taxes: Missouri has no state transfer tax, which significantly reduces closing costs compared to many other states. Recording fees are the primary variable cost.
• Lender fees: Origination, underwriting, and processing fees — typically 0.5–1% of the loan amount regardless of state.
• Title insurance: Owner's and lender's policies, required in most Missouri transactions.
• Prepaid items: First year homeowner's insurance premium, prepaid property tax escrow, and prepaid interest.
• Escrow/attorney fees: Missouri typically uses title companies or escrow agents to close real estate transactions.

Home Values & Loan Context

With a median home value of $225,000 in Missouri, a 10% down payment buyer would borrow around $203,000. The conforming loan limit is $726,200 — All Missouri counties are at the standard conforming limit.

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