What closing costs should you expect?

There are certain basic fees linked to closing the sale of a house. These expenses are often divided between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in North Carolina to help lead you through the process.

Closing costs that are tied to financing    (Learn more)

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

Taxes you may be responsible for at closing    (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 we negotiate your transaction, I'll not only work to get the highest sales price, but I'll also campaign for limited closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a home in Polk 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 past experiences and is required to be within an acceptable range so you're not shocked when you come to the closing appointment. I'll be glad to review the LE with you, answering your questions and highlighting any estimates that are uncertain.

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