Expected closing costs

There are certain ordinary costs associated with closing the sale of a house. These fees are usually split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in California to help lead you through your deal.

Loan-related closing costs (Click here for details)

Points (optional)
Appraisal Fee
Credit Report
Interest Payment
Escrow Account

At closing, these taxes are usually collected (Click here for details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Click here for details)

Homeowners Insurance
Flood or Quake Insurance (optional)
Private Mortgage Insurance (PMI) (optional)
Title Insurance

Sellers: As we hammer out your deal, not only will I work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll describe in detail the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a house in San Diego County, you'll be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within a reasonable range so you're not astonished when you come to the closing appointment. I'll be happy to go over the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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