All-in cost first, always. Estimate only — not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Missouri.
How much house can I afford in Missouri? →Missouri Housing Development Commission's primary 30-year fixed-rate first mortgage, funded by tax-exempt mortgage revenue bonds, for first-time homebuyers (or anyone who hasn't owned a home in the prior 3 years) and qualified veterans statewide. Offered as a Cash Assistance Loan (CAL, with down payment/closing cost assistance) or Non-Cash Assistance Loan (Non-CAL, lower rate, no assistance); subject to income and purchase-price limits.
Down payment and closing cost assistance paired with a First Place first mortgage: a forgivable second loan equal to 4% of the total mortgage amount, with no monthly payment. Fully forgiven if the borrower stays in the home 10 years (forgiveness begins at year 5, at 1/60th per month); repayable if the home is sold or refinanced sooner.
Fewer listings, fewer buyers, and sellers who have a reason to be on the market in December. Here is what a winter discount is actually worth on a $400,000 house — in monthly payment, in lifetime interest, and in the seller concessions a quiet market makes possible — and the three ways a winter purchase goes wrong.
Missouri's constitution bans real estate transfer taxes outright, so the deed costs about $24 to record. Here's what closing on a $299,064 Missouri home really runs.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Missouri guide
In most states, the biggest state-specific line on a closing statement is a tax on the transfer of the deed. It's a percentage of the sale price, usually four figures, and there's no way around it.
Missouri doesn't have one. Not a low one, not a capped one. None.
Article X, Section 26 of the Missouri Constitution prohibits the state and its political subdivisions from taxing the transfer of real property. It's a constitutional bar rather than a legislative choice a bad budget year could reverse, and because it reaches counties and cities too, there's no local add-on hiding underneath it. On Missouri's statewide median sale price of $299,064, a modest-sounding 1% transfer tax would cost $2,990.64. Missouri's version of that bill is a recorder-of-deeds filing fee of roughly $24 for the first page plus $3 per additional page.
That doesn't make Missouri free to close in. It makes it a state where your total is driven by your lender and your title company rather than your government, which changes where it's worth spending your energy. For how each fee works, start with our full line-by-line breakdown of closing costs.
A note before you start: this is general education, not financial, legal, or tax advice. Every figure below is a statewide number from CalculatorByState's sourced dataset, and your county, lender, title company, and contract will all move the total. Recorder fees are set county by county, so treat the filing figures as the order of magnitude they are. Your Loan Estimate and Closing Disclosure are authoritative. Use this to sanity-check them, not to replace them.
Run the commonly-used 2-5% buyer range against Missouri's $299,064 median sale price and you get roughly $5,981 to $14,953, midpoint around $10,467. At $350,000, the same range becomes $7,000 to $17,500.
Read the full Missouri guide →8 min read · Updated 2026-08-24