Closing costs
Closing costs in Arkansas
In Arkansas, a title or escrow company handles closing (no attorney required), and Arkansas levies a transfer/deed tax of about 0.33%, customarily split-paid. $3.30/$1,000 state-only, uniform; customarily split ½ buyer/½ seller. Ark. Code §26-60-105. Here's roughly what you'll pay and what each line is.
How much are closing costs in Arkansas?
Estimated buyer closing costs in Arkansas (on top of your down payment), for a single-family home with 10% down and good credit:
| Home price | Estimated closing costs |
|---|---|
| $300,000 | $6,066–$8,816 |
| $400,000 | $7,671–$10,971 |
| $500,000 | $9,276–$13,126 |
Illustrative estimates — a single-family home, conventional loan, 10% down, good credit. Your real figures come from your Loan Estimate and Closing Disclosure.
What's in your closing costs
- Lender fees — loan origination (~0.5–1% of the loan), plus the appraisal.
- Title insurance — a lender's policy (and usually an owner's policy) protecting against title defects.
- Prepaids & escrow — a year of homeowners insurance plus a couple months of property-tax escrow set aside up front.
- Recording & settlement — county recording fees plus the settlement agent (or attorney) who runs the closing.
Who closes, and transfer taxes, in Arkansas
Arkansas is a title/escrow state — a title or escrow company handles closing, so there's no attorney fee.
Arkansas levies a transfer/deed tax of about 0.33%, customarily split-paid. $3.30/$1,000 state-only, uniform; customarily split ½ buyer/½ seller. Ark. Code §26-60-105
The FHA loan limit in Arkansas is about $541,287.
Plan for the full cash to close
Closing costs are only part of the cash you'll need. The down payment is the rest. Map your full savings target:
See your real numbers for Arkansas
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