Last updated: 2026-04-25
Average total closing costs
$3,800
Median home price
$270,500
Shopping lenders in Kentucky? Run a Fair Loan Check before you lock.
Benchmarked against 38,932 real Kentucky mortgages.
Use the fee-by-fee breakdown below to benchmark every line item on your Kentucky Closing Disclosure. Each page shows the typical range, red flags, and whether the fee is negotiable in Kentucky.
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 Kentucky buyers should know
Closing-cost benchmarks from 25,026 verified Kentucky closing disclosures — typical lender median is $4,607.
Many of the fees listed above also appear on your Loan Estimate — the document your lender must provide within 3 business days of your mortgage application. Comparing Loan Estimates from multiple lenders is the single best way to reduce closing costs. 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 Kentucky benchmarks — in 60 seconds.
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Nearby states: Illinois · Indiana · Missouri · Ohio · Tennessee · Virginia
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