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Anticipated closing costs

There are certain normal costs accompanying closing the sale of a house. These expenses are commonly divided between the buyer and seller, as instructed 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 the deal.

Closing costs that are loan-related    (Click here for details)

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

Taxes you may be responsible for at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

Sellers: As we negotiate your transaction, I'll not only work to get the very best sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're buying a home in Alameda County, you will 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 past experiences and is required to be within an acceptable range so you're not surprised when you arrive at closing time. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that are uncertain.

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