Closing Costs in Orange County, CA

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When a real estate deal is finalized, it is said to have "closed." The mortgage note is issued, and the buyer and seller each pay certain closing costs and fees. 

Closing costs are expenses incurred after a real estate transaction, such as purchasing or selling a home. Real estate agents, brokers, buyers' and sellers' attorneys, and title companies are all involved in a real estate transaction– in the closing cost.

Closing Costs for Seller and Buyer in Orange County, CA

Two percent to five percent of the purchase price of a home goes toward the buyer's closing costs in Orange County, California. According to these estimates, the typical buyer in Orange County can expect to pay between $15,500 and $38,750 in closing costs. As of the spring of 2022, the median price of a home in California was $775,000.

Here are the typical buyer closing costs in Orange County, California:

Mortgage Application Fee
A lender may impose this cost on a borrower as part of the cost of handling the loan application. This fee is typically paid at the outset of obtaining a loan.

Closing Fees
Transactions involving the "closing of escrow" involve closing costs, which are collected to cover the costs of handling the funds and paperwork involved in the closing process. The parties may refer to these as settlement costs or escrow charges.

Appraisal Fee
That sum represents the cost of the property appraisal. Before deciding on a loan amount, mortgage providers will look at the loan-to-value (LTV) ratio of the purchased property.

Attorney Fees
A buyer can hire an attorney to help them through the closing process.

Courier Fee
The funds are paid for courier or mail-type service used to send documents. This charge will be waived if the closing is conducted entirely online.

Seller Closing Costs in Orange County, CA

In California, a seller should expect to pay about 5.35% of the sale price in closing fees. This amounts to approximately $41,462.50, based on the national average home price of $775,000.

The following are average seller closing expenses in Orange County, California.

California Real Estate Commission
The seller is expected to pay both the listing agent's and the buying agent's commissions. Most sellers in California can expect to pay a commission of between 5 and 6 percent of the sale price. For more expensive homes, this is often lower.

Escrow Fees in California
They are deposited with the escrow company, which acts as a neutral between the buyer and the seller and keeps the funds in trust until the closing of the home sale. Before the contract's proper execution, they must hold the funds owed to the seller and prevent the buyer from taking possession of the property.

Title Insurance
Purchasing title insurance protects the buyer from financial loss caused by title defects. Furthermore, it safeguards the real estate investment against any liens that may arise before, during, or after the closing process.

California Transfer Taxes
The seller must also pay any local or county transfer taxes. Documentary transfer taxes are another name for these levies. The California county transfer tax is $1.10 per $1,000 sold except for San Francisco County.

Miscellaneous Fees
A few examples of other charges are as follows:

*Cost of recording
*Commission for a Notary Public
*The cost of living in a neighborhood with a Homeowners Association
*Reports and/or inspections that require payment after the fact

Final Thoughts

For first-time homebuyers, closing costs can be a significant financial burden. I am a trustworthy real estate agent in the Orange County area and would be pleased to assist you in finding the home of your dreams. Contact me today to get started!

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Patrick Parry


24302 Del Prado #B, Dana Point CA 92629


Comments (1)

Bill Salvatore - East Valley
Arizona Elite Properties - Chandler, AZ
Realtor - 602-999-0952 / em:

Enjoyed reading your post this morning, TY, Happy Monday, a short week this week, Happy Thanksgiving to you and your family. Bill. 


Nov 21, 2022 05:45 AM