Sample figures shown. Replace them with your seller's numbers. Everything recalculates as you type.
Sale price
Contract sales price
Loan payoffs & liens
1st mortgage payoffFrom lender payoff statement
2nd mortgage / HELOC
Accrued interest & payoff feesPer-diem interest to closing, reconveyance fees
Liens, judgments, solar or other payoffs
Commissions
Listing brokerage, The Sudar Group
Buyer's agent compensationOnly if seller agrees to pay it
Brokerage transaction / admin fee
Title & closing
Owner's title insurance policyCustomarily seller-paid in Arkansas; get a quote from title
Closing / settlement fee (seller share)
Deed preparation
Recording & mortgage release fees
Courier, wire & e-doc fees
Arkansas real property transfer tax$3.30 per $1,000 of price · seller's share per contract
Prorations & HOA
Annual property taxesArkansas taxes are paid a year in arrears, so the seller credits the buyer Jan 1 → closing
County taxable value · optional, for the exact amountFound on the Valuation tab of the parcel's county record. Homestead assessments can rise only 5% a year (10% for other property), so the taxable value is often lower than the full assessed value.
Current-year tax proration
Annual HOA duesYearly assessment for the current year
HOA dues proration
HOA transfer / resale certificate fee
Concessions, repairs & other
Seller-paid buyer closing costsConcessions agreed in the contract
Inspection repairs or repair credit
Home warranty
Survey
Wood-destroying insect (termite) letter
Pre-listing prep, staging & cleaning
OtherSeptic inspection, well test, utilities, etc.
This is not a loan quote. These figures are estimates for planning only and do not come from a loan officer. Rates, mortgage insurance, fees and approval depend on your credit, income and the lender. Reach out to your personal lender for your actual numbers.
Sample figures shown. Lines marked "estimated" fill in automatically until you type your own number.
Latest national average rates
National averages for well-qualified borrowers, not a quote. Rates change daily; see today's rates at Mortgage News Daily. Tap "Use this rate" to run the numbers, then confirm the actual rate with your lender.
Purchase & loan
Purchase price
Loan program
Loan term
Interest rateStarts at the national average above. Use your lender's rate for real numbers.
Down payment
Loan amount
Private mortgage insurance (PMI) · estimatedRequired on most conventional loans under 20% down. Usually 0.3%–1.5% a year depending on credit; it can usually be removed at 20% equity.
No PMI needed with 20% or more down on a conventional loan.
FHA annual MIP
FHA upfront MIP (1.75%)
VA loan use
VA funding feeOne-time fee; VA loans have no monthly mortgage insurance
Taxes, insurance & HOA
City & school districtSets the property tax millage (2025 millage, collected in 2026). Enter the property address above to match its exact tax district from county records.
Total millageMills per $1,000 of assessed value
Annual property taxes · estimatedPrice × 20% assessment × millage, less the homestead credit. Purchases are usually reassessed near the sale price.
Annual homeowners insurance · estimatedEstimated at about 0.5%–0.75% of the price (0.625% used). Actual premiums vary by home, coverage and insurer.Get a quote from an insurance agent to verify.
Annual HOA dues
Lender fees
Origination, underwriting & processing
Discount pointsOptional; 1 point = 1% of the loan, usually paid to lower the rate
Appraisal
Credit report
Flood certification & tax service
Title & government
Lender's title insurance policyCustomarily buyer-paid in Arkansas
Title search & examination
Closing / settlement fee (buyer share)
Recording fees (deed & mortgage)
Courier, wire & e-doc fees
Arkansas real property transfer tax$3.30 per $1,000 of price · buyer's share per contract
Upfront fee paid at closing
Inspections & due diligence
Home inspection
Wood-destroying insect (termite) inspection
Radon test
Sewer scope, septic or well inspection
Survey
Prepaids & escrow deposit
First year of homeowners insurancePaid before or at closing
Prepaid interest
Property tax escrow depositMonths of taxes held in escrow
Insurance escrow depositMonths of insurance held in escrow
HOA & other
HOA transfer fee or capital contribution
Prorated HOA dues owed to seller
Home warrantyOften seller-paid; enter it if the buyer pays
OtherUtility deposits, moving, etc.
Credits toward cash to close
Earnest money depositAlready paid; applied at closing
Seller-paid closing costsConcessions in the contract. Loan program limits apply.
Lender credit
Seller's property tax credit · estimated