Closing Costs Who Pays What? | Aurum Title | Texas Commercial Title Company

Closing Costs Who Pays What?

Every transaction is unique and certain costs are negotiable. It is important to speak with your realtor, lender and escrow officer about your specific transaction.

Buyer Costs

  • Property inspections
  • Termite inspection
  • Survey (per contract)
  • HOA transfer fee (per contract)
  • Prorated taxes
  • Escrow fee
  • Courier fee
  • Hazard insurance

Costs Associated With a Loan

  • Loan origination fee
  • Loan title policy and endorsements (per contract)
  • Appraisal
  • Credit report
  • Prepaid interest
  • Document preparation
  • Recording fee(s)
  • Initial deposit for escrow account t(if applicable)
  • Mortgage insurance premium (if applicable)
  • VA funding fee (if applicable)

Seller Costs

  • Payoff of existing loan(s)
  • Tax certificate
  • Realtor commissions
  • Prorated taxes
  • Owner’s title policy and endorsements (per contract)
  • Escrow fee
  • Document preparation
  • Recording fee(s) Survey (per contract)
  • Home warranty (per contract)
  • HOA resale certificate (per contract)
  • Termite inspection (VA loan only)

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