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Closing Costs - Who Pays For What?
The typical fees paid by a buyer and seller in a real estate transaction:
Seller
Owner's title insurance policy
50% of the escrow fee
Excise tax
Real estate commission (standard 6%)
Utility payoffs
Loan balance
Document prep fees (i.e. power of attorney)
Misc. wre fees
Misc. courier fees
Misc. signing fees
Pro-rated property taxes
Home warranty (depends on contract)
Homeowner's association fee (pro-rated dues, resale certificate)
FHA / VA Financing
Buyer
Lender's title insurance policy
50% of the escrow fee
Recording fees
Surveys
1st year fire insurance (and flood insurance if applicable)
Document prep fees (i.e. quit claim deed)
Misc. wire fees
Misc. courier fees
Misc. signing fees
Pro-rated property taxes
Home warranty (depends on contract)
Property and pest inspection
Homeowner's association fee (pro-rated dues, transfer fee, capital contribution)
Lender fees (i.e. appraisal, credit report, loan fees, PMI)
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