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Customary Closing Costs

TYPE OF FINANCING

CASH

FHA

VA

CONV

1. DownpaymentBUYERBUYERBUYERBUYER
2. Termite (Wood Infestation) Inspection (negotiable except on VA)SELLER
3. Property Inspection (if requested by Buyer)BUYERBUYERBUYERBUYER
4. Property Repairs, If Any (negotiable)SELLERSELLERSELLERSELLER
5. New Loan Origination Fee (negotiable)BUYERBUYERBUYER
6. Discount Points (negotiable)BUYERBUYERBUYER
7. Credit ReportBUYERBUYERBUYER
8. Appraisal or Extension Fee (negotiable)BUYERBUYERBUYER
9. Existing Loan PayoffSELLERSELLERSELLERSELLER
10. Existing Loan Payoff DemandSELLERSELLERSELLERSELLER
11. Loan Prepayment Penalty, If AnySELLERSELLERSELLERSELLER
12. Next Month’s PITI PaymentBUYERBUYERBUYER
13. Prepaid Interest (approx. 30 days)BUYERBUYERBUYER
14. FHA MIP, VA Funding Fee, PMI PremiumBUYERBUYERBUYER
15. Assessments Payoff or Proration (sewer, paving, etc.) (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
16. TaxesPRORATEPRORATEPRORATE
17. Tax ImpoundsBUYERBUYERBUYER
18. Tax Service ContractSELLERSELLERSELLER
19. Fire / Hazard InsuranceBUYERBUYERBUYERBUYER
20. Flood Insurance (if applicable)BUYERBUYERBUYERBUYER
21. Homeowners Association (HOA) Transfer Fee (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
22. HOA / Disclosure Fee (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
23. Current HOA Payment PRORATE PRORATE PRORATE PRORATE
24. Next Month’s HOA PaymentBUYERBUYERBUYERBUYER
25. Home Warranty Premium (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
26. Real Estate Agent / Broker CommissionsSELLERSELLERSELLERSELLER
27. Owner’s Title PolicySELLERSELLERSELLERSELLER
28. Lender’s Title Policy and EndorsementsBUYERBUYERBUYER
29. Escrow Fee (NOTE: Charge Seller on VA Loan) SPLIT SPLIT SELLER SPLIT
30. Recording Fee (negotiable)BUYER OR SELLERBUYER OR SELLERBUYER OR SELLERBUYER OR SELLER
31. Reconveyance / Satisfaction FeeSELLERSELLERSELLERBUYER OR SELLER
32. Courier / Express Mail Fees SPLIT SPLIT SELLER SPLIT