Closing Costs

There are certain standard costs associated with closing the sale of a house. These fees are assigned to or split between the buyer and the seller, as spelled out in the sales contract. All closing costs are negotiable.

Before you sign the sales contract, I will explain what the closing costs are, give you an educated estimate of the amount of each, answer any questions that you may have, and let you know which costs are customary for buyers or sellers to pay in our market. 

Good Faith Estimate

Buyers will receive a "Good Faith Estimate" of closing costs at the time the loan application is submitted to the lender. The estimate is based on the loan officer's past experience and may not include all the closing costs. I will be glad to review the "Good Faith Estimate," answering questions and highlighting missing costs and estimates I believe to be low.

Standard Closing Costs

Loan-Related Costs

  • Loan Origination Fee
  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account
  • Inspections
  • Survey


  • Property Taxes
  • Transfer Taxes and Recording Fees


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