Typical Seller Costs 

• Loan payoff
  
• Real estate commissions
  
• Owner’s title policy premium
  
• Current year real estate tax proration (per contract)
  
• Prior year’s outstanding property taxes
  
• Tax certificate
  
• Record release of existing lien
  
• Attorney document preparation fees
  
• 1/2 Escrow fees
  
• Guaranty fees
  
• Homeowners’ association fees
  
• Any other costs specified in the contract
  

Typical Buyer Costs

• Loan title policy and endorsements
  
• Record warranty deed
  
• Record deed of trust
  
• Guaranty fee
  
• Homeowners’ association fees
  
• Inspection cost
  
• Courier fee
  
• 1/2 Escrow fees
  
• Any other costs specified in the contract
  

Typical Lender Fees- Paid by Borrower

• Loan origination and/or discount fee
  
• Hazard insurance and tax escrow
  
• Credit report
  
• Lender document preparation
  
• Mortgage insurance premium
  
• Appraisal fees
  
• Flood certification
  
• Tax service fee
  
• Miscellaneous loan fees
  

Items Negotiated Under Contract

• Homeowners’ association transfer fee
  
• Termite inspection
  
• Home warranty
  
• Survey 
  

See PDF for further information