- 20 - REAL ESTATE LAWS & CUSTOMS BY STATE ©2025 Fidelity National Title Insurance Company (08/25) KENTUCKY Title Insurance Rates Filed Form of Conveyance Warranty Deed; Special Warranty Deed; Trustee or Fiduciary Deed State Encumbrance Forms Mortgage Customary Closing Entity Attorney; title company Commitment Issued? Duration? Yes. 6 months. When is Invoice Issued? With Commitment Deed Transfer Tax? Yes, Deed Transfer Tax Mortgage Tax? No Leasehold Tax? No CUSTOMARY FEE SPLITS Owner’s Policy Premium Buyer pays. If commercial, can be negotiated. Loan Policy Premium Buyer pays. If commercial, can be negotiated. Title Search & Examination Buyer pays. If commercial, can be negotiated. Survey Charges Buyer pays. If commercial, can be negotiated. Deed Transfer Tax Seller pays Mortgage Tax Not applicable Closing Fees Buyer pays. If commercial, can be negotiated. Recording Fees Buyer customarily pays all recording fees. Seller customarily pays document preparation fees. If commercial, can be negotiated.
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