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What closing costs should you expect?

There are certain standard expenses linked to closing the sale of a house. These expenses are commonly divided between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in California to help show you through the process.

Closing costs that are loan-related    (Learn more)

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

Taxes you may be responsible for at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we hammer out your deal, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll fully explain the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are purchasing a home in Alameda County, you'll receive 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 a reasonable range so you're not surprised when you arrive at the closing table. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates of concern.

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