Last updated: 2026-07-02
Average total closing costs
$3,600
Median home price
$220,000
Shopping lenders in Arkansas? Run a Fair Loan Check before you lock.
Benchmarked against 27,536 real Arkansas mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your Arkansas Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in Arkansas.
Origination Fee
Negotiable · Section A
Processing Fee
Negotiable · Section A
Underwriting Fee
Negotiable · Section A
Title Insurance
Negotiable · Section C
Appraisal Fee
Non-negotiable · Section B
Recording Fee
Non-negotiable · Section E
Transfer Tax
Non-negotiable · Section E
Attorney Fee
Negotiable · Section C
Courier Fee
Negotiable · Section H
Credit Report Fee
Non-negotiable · Section B
Flood Certification Fee
Non-negotiable · Section B
Tax Service Fee
Non-negotiable · Section B
Wire Transfer Fee
Negotiable · Section H
Document Preparation Fee
Negotiable · Section A
Things Arkansas buyers should know
Arkansas layers county or city transfer taxes on top of the state rate. The combined burden varies by jurisdiction — confirm the exact rate that applies to your property address before signing.
How the layered rate is calculated
Arkansas real property transfer tax (Ark. Code Ann. § 26-60-101 et seq.): $3.30 per $1,000 of actual consideration (0.33%). Based on full purchase price.
Arkansas transfer tax is $3.30/$1,000 (0.33%) under § 26-60-101. By custom and negotiation, the tax is often split 50/50 buyer-seller, though it is technically a grantor (seller) obligation for recording. The tax applies to the full consideration. Exempt transfers include gifts (nominal consideration), certain family transfers, government deeds, and foreclosure deeds. Paid to county assessor/circuit clerk at time of recording. On a $220K sale: transfer tax = $726 total ($363 each if split 50/50).
Closing-cost benchmarks from 20,288 verified Arkansas closing disclosures — typical lender median is $4,982.
Many of the fees listed above also appear on your Loan Estimate, the document your lender must provide within 3 business days of your application. Pay close attention to the origination fee, the most negotiable lender-charged item and often the biggest variable between competing quotes. Comparing Loan Estimates from multiple lenders is the single best way to reduce what you pay at closing. Check if your Loan Estimate fees are competitive →
Got your CD? See which of these fees are overpriced.
Upload your Closing Disclosure and every line item is audited against Arkansas benchmarks — in 60 seconds.
From $29 · Results in 60 seconds
Nearby states: Louisiana · Missouri · Mississippi · Oklahoma · Tennessee · Texas
The lender directory ranks major mortgage lenders by closing cost grade using real HMDA data. Filter by Arkansas to see which lenders charge the most and least in this state.
Don't overpay on your Arkansas mortgage.
Whether you're comparing lenders or reviewing your final costs, upload your document and see exactly where you can save.
Results in 60 seconds