Cloud County, Kansas Closing Costs
On the $96,300 median Cloud County home, the county-specific closing items come to about $809: no transfer tax in Kansas, title insurance $809. Lender fees, appraisal and prepaids are added by the loan, not the county.
County-specific closing costs by purchase price
| Purchase price | Transfer tax | Title insurance (both policies) | Total |
|---|---|---|---|
| $150,000 | $0 | $895 | $895 |
| $200,000 | $0 | $970 | $970 |
| $250,000 | $0 | $1,045 | $1,045 |
| $300,000 | $0 | $1,120 | $1,120 |
| $350,000 | $0 | $1,180 | $1,180 |
| $400,000 | $0 | $1,240 | $1,240 |
| $450,000 | $0 | $1,300 | $1,300 |
| $500,000 | $0 | $1,360 | $1,360 |
| $600,000 | $0 | $1,480 | $1,480 |
| $700,000 | $0 | $1,600 | $1,600 |
| $800,000 | $0 | $1,720 | $1,720 |
| $1,000,000 | $0 | $1,960 | $1,960 |
Frequently asked questions
How much are closing costs in Cloud County?
On the $96,300 median home, the county-specific items come to about $809: no transfer tax in Kansas, title insurance $509 for the owner's policy and $300 for the lender's. Lender fees, an appraisal, prepaid taxes and insurance come on top and depend on the loan.
Who pays these in Cloud County?
Who pays the owner's title policy is negotiable; the buyer pays the lender's policy and the mortgage recording fee.
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- K.S.A. 79-3101 through 79-3120g (mortgage registration tax), all repealed effective January 1, 2019; Kansas never had a separate deed transfer tax
- First American Title Insurance Company, Kansas Schedule of Title Insurance Rates and Escrow Fees, on file with the Kansas Insurance Department, Appendix A (Basic Title Insurance Rate) and Sections E.1/F.1/F.2
Figures are computed from the documents above and rounded to the dollar. All sources.
All Kansas buyer closing costs → Cloud County home buyer guide →
Figures are computed from the documents above and rounded to the dollar. General information, not financial advice.
Cloud County overview