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Closing Costs– Who Pays What?

Sellers Will Generally Be Expected to Pay for the Following:

  • Real Estate Commission
  • Title and Escrow Fees
  • Document Preparation Fee for Deed
  • Document Recording Charges that Effect the Seller
  • County Transfer Tax ($1.10 per $1,000 of Sales Price) This Can Vary with Counties and Cities
  • Any Loan Fees Required by Buyer’s Lender
  • Notary Fees – Sellers Documents
  • Termite Inspection and Repairs According to the Contract
  • Any City Transfer/Reconveyance Tax
  • Payoff of All Loans in Seller’s Name
  • Interest Accrued to Current Lender, Statement Fees, Reconveyance Fees, and Any Pre-payment Penalties
  • Homeowner’s Association Transfer Fee and Prorate Dues (If Applicable)
  • Bonds of Assessments According to Contract
  • Home Warranty According to Contract
  • All Delinquent Taxes
  • Any Judgments, Tax Liens, etc. Against the Seller
  • Tax Proration

Buyers Will Generally Be Expected to Pay for the Following:

  • Title Insurance Premium Covering Loan Policy (ALTA) Notary Fees – Buyer Documents
  • Document Preparation Fees – Buyer Documents
  • Tax Proration
  • Inspection Fees (Geological, Property, Roofing, etc.)
  • Homeowner’s Transfer Fees
  • Special Delivery/Courier Fees
  • All New Loan Charges (Except those Required by the Lender for the Seller to Pay)
  • Interest on New Loan from Date of Funding to 30 Days Prior to First Payment Date
  • Fire Insurance Premium for the First Year
  • City Transfer/Reconveyance Tax According to Contract
  • Preliminary Change of Ownership Fee
  • Other Proration if Applicable
    • The above items are negotiable between buyer and seller, as agreed upon in your individual sales contract.

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    Cindy Berta

    Realtor/CFO
    CalBRE# 01367182
    916-390-3609
    Email: Cindy@BertaRealEstate.com

    Chris Berta

    Broker/CEO
    CalBRE# 01924558
    916-625-6008
    Email: Chris@BertaRealEstate.com

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