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What are my closing costs?
A common question from buyers as well as sellers is, "what are my closing costs?"  Some typical closing costs in real estate transaction areTitle search fees -- is the assurance of clear title to the property and title insurance to defend against any future claims made on the title by circumstances that were not picked up at the time of the title search.  This fee is based on the price of the transaction.  It will vary from one company to another but they usually pretty close to each other.  Traditionally the seller will buy the title insurance policy to protect the buyer, and the buyer will buy a title insurance policy to protect the lender that is providing the loan for the transaction.

The appraisal fee -- this fee is paid by the buyer to have a professional appraiser give their value of the property.  The appraisal is based on recent comparable sales.
Prorated property taxes, utilities, and association fees -- these fees are based on the percentage of the year, or month in terms of utilities such as water and sewer, that you own a home.
Insurance fee -- you can usually expect to prepay the first year of your insurance premium
Recording ... more

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