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What closing costs should you expect?

There are certain standard costs linked to closing the sale of a house. These costs are often split between the buyer and seller, as spelled out 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 tied to financing    (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 negotiate your sale, not only will I work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are informed of exactly what you're paying for.

Buyers: If you're purchasing a home in San Diego 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 previous experience and is required to be within a reasonable range so you're not stunned when you get to the closing appointment. I'll be willing to go over the LE with you, answering your questions and highlighting any estimates in question.

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