Anticipated closing costs

There are certain expected fees related to closing the sale of a home. These fees are usually divided between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert to help guide you through your deal.

Loan-related closing costs    (Learn more)

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

Taxes commonly paid at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we get through the details of your sale, not only will we work to get the very best sales price, but we'll also push for reduced closing costs. And once we've come to an agreement, we'll describe in detail the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a property in Oakland, you will receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within a reasonable range so you're not shocked when you show up at the closing table. We'll be happy to look over the estimate with you, answering your questions and highlighting any estimates that seem off.

Don't forget to factor in closing costs when considering a home sale or purchase. Thomas-Chambers Company is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call me today at (510) 601-0116 if your needs include a real estate pro ready for the business side of buying and selling.

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