| Transfer tax | No deed transfer tax. |
|---|---|
| Usually paid by | Borrower (mortgage registration tax) |
| Mortgage tax | Mortgage registration tax $0.26 per $100 of mortgage debt. |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county register of deeds, typically a flat fee per document. |
What drives your total
Lender fees, title insurance, prepaid taxes and insurance, and any points you buy move the number most. On a $400,000 purchase, 2–5% means roughly $8,000–$20,000 at the table, your Loan Estimate itemizes every dollar three business days before closing.
Ways to reduce cash to close
- Seller credits (negotiated in the contract, program limits apply)
- Lender credits in exchange for a slightly higher rate
- Down payment assistance programs where available
- Closing on time, per-diem interest accrues daily
Sources: Tax Foundation 2026 (2024 ACS); NAR/NCSL transfer tax table. Figures are typical ranges, not quotes.
FAQ
How much are closing costs in Kansas?
Buyer closing costs in Kansas typically run 2–5% of the purchase price. State-specific items include: No deed transfer tax. Mortgage tax: Mortgage registration tax $0.26 per $100 of mortgage debt.
Who pays transfer tax in Kansas?
Customarily the borrower (mortgage registration tax) pays the transfer tax in Kansas, though it is negotiable in the contract.
Does Kansas require an attorney at closing?
No, Kansas does not require an attorney at closing, though title insurance is still standard.