Closing costs you should expect

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

Closing costs that are loan-related    (Details)

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

Taxes you may be responsible for at closing    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we get through the details of your deal, I'll not only work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you are buying a property 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 a tolerable range so you're not startled when you get to closing time. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that are uncertain.

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Provident Realty Group

2111 W. March Lane Suite A100
Stockton, CA 95207