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Closing Costs

Closing costs you should expect

There are certain standard expenses accompanying closing the sale of a house. These expenses are commonly divided between the buyer and seller, as directed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in California to help show you through your deal. 
 

Closing costs that are loan-related

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

Taxes commonly paid at closing

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing

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


Sellers: As we negotiate your deal, not only will I work to get the optimal sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for. 

Buyers: When purchasing a home in Monterey County, you'll get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an acceptable range so you're not shocked when you reach the closing table. I'll be glad to review the GFE with you, answering your questions and highlighting any estimates that seem unusual.

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Arleen Hardenstein

Phone: 831-915-8989
Email Arleen

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Arleen Hardenstein | Sotheby's International Realty | Phone: 831-915-8989 | Email Me
Pacific Grove, CA 93950