Anticipated closing costs

There are certain basic expenses associated with closing the sale of a house. These fees are commonly split 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 in California to help guide you through the process.

Loan-related closing costs    (More information)

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

Taxes commonly paid at closing    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (More information)

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

Sellers: As we get through the details of your transaction, not only will I work to get the optimal sales price, but I'll also advocate for lower closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are buying a property in Alameda County, you will 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 appropriate range so you're not startled when you get to the closing appointment. I'll be happy to look at the LE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.
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Thomas-Chambers Company
BRE # 01208644

449 W MacArthur Blvd.
Oakland, CA 94609