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Closing costs you should expect

There are certain typical expenses linked to closing the sale of a house. These costs are commonly split between the buyer and seller, as directed 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 deal.

Loan-related closing costs    (Click here for details)

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

Taxes commonly paid 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 get through the details of your transaction, I'll not only work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you know exactly where your money is going.

Buyers: If you are buying a home in Alameda County, you will 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 previous experience and is required to be within a suitable range so you're not startled when you come to closing time. I'll be glad to go over the LE with you, answering your questions and highlighting any estimates in question.

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