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CUSTOMARY CLOSING COSTS

TYPE OF FINANCING

CASH

FHA

VA

CONV

1. DownpaymentBUYERBUYERBUYERBUYER
2. Property Inspection (if requested by Buyer)BUYER

BUYERBUYERBUYER
3. Property Repairs, If Any (negotiable)SELLERSELLERSELLERSELLER
4. New Loan Origination Fee (negotiable)BUYERBUYERBUYER
5. Discount Points (negotiable)BUYERBUYERBUYER
6. Credit ReportBUYER

BUYER

BUYER
7. Appraisal or Extension Fee (negotiable)BUYERBUYERBUYER
8. Existing Loan PayoffSELLERSELLERSELLERSELLER
9. Existing Loan Payoff DemandSELLERSELLERSELLERSELLER
10. Loan Prepayment Penalty, If AnySELLERSELLERSELLERSELLER
11. Next Month’s PITI PaymentBUYERBUYERBUYER
12. Prepaid Interest (approx. 30 days)BUYERBUYERBUYER
13. FHA MIP, VA Funding Fee, PMI PremiumBUYERBUYERBUYER
14. Assessments Payoff or Proration (sewer, paving, etc.) (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
15. TaxesPRORATEPRORATEPRORATEPRORATE
16. Tax ImpoundsBUYERBUYERBUYER
17. Tax Service FeeSELLERSELLERSELLER
18. Fire // Hazard InsuranceBUYERBUYERBUYERBUYER
19. Flood Insurance (if applicable)BUYERBUYERBUYERBUYER
20. Homeowners Association (HOA) Transfer Fee (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
21. Current HOA PaymentPRORATEPRORATEPRORATEPRORATE
22. Next Month’s HOA PaymentBUYERBUYERBUYERBUYER
23. Home Warranty Premium (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
24. Real Estate Agent // Broker CommissionsSELLERSELLERSELLERSELLER
25. Standard Owner’s Title PolicySELLERSELLERSELLERSELLER
26. Lender’s Title Policy and EndorsementsBUYERBUYERBUYER
27. Escrow Fee (NOTE: Charge Seller on VA Loan)SPLITSPLITSELLERSPLIT
28. Recording Fee (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
29. Reconveyance // Satisfaction FeeSELLERSELLERSELLERSELLER
30. Courier // Express Mail FeesSPLITSPLITSELLERSPLIT