| Transfer tax | Realty transfer tax $0.50 per $500 of value (0.1%). |
|---|---|
| Usually paid by | Seller (customary) |
| Attorney at closing | Not required |
| Recording | Recording fees are set by the county clerk, 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 Kentucky?
Buyer closing costs in Kentucky typically run 2–5% of the purchase price. State-specific items include: Realty transfer tax $0.50 per $500 of value (0.1%).
Who pays transfer tax in Kentucky?
Customarily the seller (customary) pays the transfer tax in Kentucky, though it is negotiable in the contract.
Does Kentucky require an attorney at closing?
No, Kentucky does not require an attorney at closing, though title insurance is still standard.