Missouri closing costs

Estimate the cash you bring to the closing table.

Short answer

Your cash to close is the down payment plus closing costs, minus any seller credit. In Missouri there is no real-estate transfer tax, so the only deed-related government cost is a small county recording fee. Lender and title charges vary — your lender's Loan Estimate is the real number.

Estimator

Estimated cash to close

Home priceDown payment (%)$30,000 down · $270,000 loan

Closing-cost lines (rough — adjust each)

Lender / origination chargesPoints, underwriting, processing. Set by the lender — your Loan Estimate is the real number.Title insurance (owner's + lender's)Set by the title company and filed per county; no statewide rate. Get a quote.Appraisal & other lender feesAppraisal, credit report, and similar third-party fees. Vary by lender and property.County recording feesThe only deed-related government cost — a flat per-page fee (RSMo 59.310). No transfer tax in Missouri.Prepaid taxes, insurance & escrowPrepaid homeowners insurance and the lender's tax/insurance reserve. Varies with your closing date and local tax.Seller credit toward closing (optional)If the seller agreed to pay some of your costs, enter it here.

Estimated closing costs

$8,250

Estimated cash to close

$38,250

Down payment plus closing costs, minus any seller credit.

Missouri charges no real-estate transfer tax.

The only deed-related government cost is the county recording fee. Everything else — lender, title, appraisal, and prepaids — varies by company and closing date. Your lender's Loan Estimate is the figure to trust.

Estimate the property tax

Lender & title

These vary the most.

Origination, title insurance, and appraisal have no statewide rate. Treat the defaults as rough and replace them with your Loan Estimate and a title quote.

Government cost

Just the recording fee.

A small flat per-page fee under RSMo 59.310 — usually under $100 combined. No transfer, conveyance, or stamp tax anywhere in Missouri.

Property tax

Prorated, not paid twice.

Missouri taxes are billed in arrears and prorated between buyer and seller at closing. Depending on the date, that can be a credit to you or a charge.

Where to find each number

Replace the rough defaults with the real figures as they arrive:

Lender & third-party fees: The 'Origination Charges' and 'Services' sections of your lender's Loan Estimate — delivered within three business days of applying. That is the authoritative number, not a rough default.
Title insurance: A quote from your title company. Missouri title rates are filed per county with the Department of Commerce & Insurance, so they vary by company — there is no single statewide rate.
Recording fee: Your county recorder's fee schedule (a small flat per-page fee under RSMo 59.310). It is the only deed-related government cost — Missouri has no transfer tax.

Helpful next steps

What to check next

Tie the estimate to your real numbers and your county.

Property tax estimator Estimate the annual tax that drives your prepaid and escrow numbers. Personal property tax estimator Once you have a car here, the January 1 rule and receipts matter. Look up your county Recorder fees and local offices vary by county and the City of St. Louis.

Sources and review

Where this information comes from

This page gives the short version, then points you back to the office or agency that controls the rule.

Data used: Missouri recording fees (RSMo 59.310), title-insurance rate filing (20 CSR 500-7.100), and the federal Loan Estimate disclosure
Last reviewed: June 18, 2026

RSMo 59.310 for county recorder per-page fees — the only deed-related government cost; Missouri has no transfer tax.
Missouri title-insurance rate filing (20 CSR 500-7.100) for title insurers file risk rates with the Department of Commerce & Insurance per county — no statewide rate.
CFPB — What is a Loan Estimate? for the lender's authoritative figures for your actual fees, delivered within three business days.

Use this carefully: Lender, title, appraisal, and prepaid/escrow amounts vary by company, lender, county, and closing date — the figures here are rough starting points, not quotes. Your lender's Loan Estimate is the real number. Property-tax proration can be a credit or a charge depending on your closing date.

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