What closing costs should you expect?

There are certain standard fees accompanying closing the sale of a house. These costs are commonly split between the buyer and seller, as dictated in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in California to help guide you through your deal.

Loan-related closing costs    (Details)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, these taxes are usually paid    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your deal, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll explain in detail the closing costs so you are aware of exactly what you're paying for.

Buyers: When buying a house in Alameda County, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an appropriate range so you're not astonished when you show up at the closing table. I'll be willing to review the LE with you, answering your questions and highlighting any estimates that seem questionable.

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