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When it comes to buying a home, it’s important to not only budget for the cost of the house, but also the costs of closing. Where there are certain closing costs that are customary or unique to certain states or localities, here’s a quick rundown of the closing costs that usually crop up across the board:

  • Attorney’s or escrow fees (yours and your lender’s if applicable)
  • Property taxes (to cover tax period to date)
  • Interest (paid from date of closing to 30 days before first monthly payment)
  • Loan Origination fee (covers lenders administrative cost)
  • Recording fees Survey fee First premium of mortgage Insurance (if applicable)
  • Title Insurance (yours and the lender’s)
  • Loan discount points
  • First payment to escrow account for future real estate taxes and insurance
  • Paid receipt for homeowner’s insurance policy (and fire and flood insurance if applicable)
  • Documentation preparation fees

Make sure that you’ve allocated enough money to cover these closings costs, which will vary depending on the property you are purchasing.

At Title Junction we care about helping you stay informed throughout your real estate transaction. Have questions? Give us a call at 239.415.6574.

In case you missed it, check out our last Title Junction post: My Real Estate Closing Was Delayed! Am I Homeless Now?

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