The Buyer Can Generally Be Expected To Pay For:

• Loan policy and endorsements
• Record warranty deed
• Record the deed of trust
• Courier fee
• Escrow fee
• Tax service fee (lender charge)
• Full-year homeowner’s insurance policy (lender charge)
• 2-3 months of hazard insurance escrow (lender charge)
• Tax Reserve (lender charge)
• Loan application and/or discount fee (lender charge)
• Appraisal (lender charge)
• Credit report (lender charge)
• Lender document preparation (lender charge)
• Flood certification (lender charge)
• Mortgage insurance premium – MIP or PMI (lender charge)
• Miscellaneous loan fees (lender charge)
• Survey
• Homeowner’s association dues and fees
• Guaranty Fee
• Any other costs as outlined in the real estate contract
• Inspection fees

What The Seller Can Generally Be Expected To Pay For:

• Loan payoff (per existing lender’s payoff letter)
• Owner’s Title Policy premium
• Record release of existing lien(s)
• Current year real estate tax pro-ration (per contract)
• Prior year’s property taxes still due (if due)
• Homeowner’s association dues and fee (if applicable)
• Escrow fee
• Commissions (per listing agreement)
• Any other cost as outlined in the real estate contract
• Tax certificate
• Attorney Documents Prep Fee and Deed and Release
• Homeowner’s Transfer Fee (if applicable)
• Guaranty Fee
• Any other costs as outlined in the real estate contract

Negotiated Under Contract

• Inspections
• Termite Work
• Home Warranty