Closing Costs

Closing costs vary by state and the particulars of a transaction.  At the time of your loan closing, your lender and title agent have worked together to coordinate the final costs that you will see on your settlement sheet.  Those final costs should be similar to what was disclosed to you on the Good Faith Estimate.  Items like property taxes, HOA fees, utilities etc. are not controlled by either the lender or the title agent.  Here is a list of common closing costs:

Lender Fees

  • Origination Fee
  • Discount Points
  • Application Fee
  • Credit Report
  • Appraisal
  • Mortgage Insurance
  • Per Diem Interest
  • Flood Certification

Title or Closing Agent Fees

  • Title Insurance
  • Title Search/Examination
  • Tax Certifications
  • Notary
  • Courier
  • Settlement

Government Fees

  • Recording Fees
  • Transfer Tax
  • Assessments
  • Escrow for property taxes and insurance
  • Pro-rations of property taxes or other fees the seller paid in advance
  • Other taxes


  • HOA (Homeowner’s Association) fees
  • Attorney fees
  • Insurance
  • Inspections
  • Survey
  • Refuse/Garbage
  • Water
  • Sewer
  • Realtor or third party fee  (ex:  short sale negotiator)

Every Transaction is different.  Contact us for a customized estimate of your closing costs.