Anticipated closing costs

There are certain typical expenses linked to closing the sale of a home. Michael will make sure what you are charged is per City and County Custom in your purchase contract and in turning in your final closing instructions to your escrow officer to close your purchase.

Loan-related closing costs    (Learn more)

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

At closing, the following taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As I negotiate your sale,I will make sure the closing costs are entered into the sales contract per the City and County - paid as per custom.

Per your request I will have a title company prepare a pre-sale Sellers Cost Statement based on a probable sale price - 30 day close of sale or whatever time frame you prefer to see in an estimate of closing costs. 

Buyers: If you are purchasing a home, you will receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no later than three days prior to closing from your lender. These estimates are required to be within an acceptable range so you're not astonished when you reach the closing table. I'll be glad to go over the estimate with you, answering your questions and highlighting any estimates that are uncertain.

Don't forget to factor in closing costs when considering a home sale or purchase. E-mail or call me today at 650-685-2345 if you're ready to start the purchase process!

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