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There are certain standard fees related to closing the sale of a house. These costs are commonly divided between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you’ll want a real estate expert in Florida to help direct you through your transaction.
Costs pertaining to your loan to be paid at closing (Details)
- Points (optional)
- Appraisal Fee
- Credit Report
- Interest Payment
- Escrow Account
At closing, the following taxes are usually collected (Details)
- Property Taxes
- Transfer Taxes and Recording Fees
At closing, these fees are often due
- Homeowners Insurance
- Flood or Quake Insurance (optional)
- Private Mortgage Insurance (PMI) (optional)
- Title Insurance
Sellers: As we negotiate your deal, not only will I work to get the optimal sales price, but I’ll also campaign for limited closing costs. And once we’ve come to an agreement, I’ll fully explain the closing costs so you know exactly where your money is going.
Buyers: If you’re buying a home in Naples, you’ll receive a “Loan Estimate” (LE) of closing costs within three days of submitting your loan application and a “Closing Disclosure” no fewer than three days prior to closing. These estimates are based on the loan officer’s past experiences and are required to be within a reasonable range so you’re not astonished when you arrive at the closing appointment. I’ll be glad to look through the estimate with you, answering your questions and highlighting any estimates that seem unusual.
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