ANTICIPATED BUYER COSTS

Who pays what varies by city and county ordinances as well as standard practices. Please note that these are "customary" costs and all fees charged are governed by terms of the sales contract and other written escrow instructions. As your real estate broker, I will see to it that we minimize these fees by using vendors/affiliates that have the same cost conscious approach as we do.

Buyer's Generally Pay:

• Title insurance policy premiums
  (lender's and owner’s)
• Transfer tax (Varies per city and county)
• Escrow fees
• Notary fees
• Property tax pro-ration
  (from acquisition date)
• Special delivery/courier fees, (if required)
• Document preparation fees
• Document recording charges
• Homeowner's association transfer fee and prorata dues (if applicable in the contract)
• Home warranty (if applicable in the contract)
• Inspection fees (if applicable in the contract)
• Fire insurance premium for the first year
• Assumption/change of records fees if you are taking over an existing loan
• Lender's new loan charges (Appraisal fee, Credit Report, Tax Service, Origination fees etc.
• Interest on new loan from date of funding to 30 days prior to your first payment
• Other pro-rations (rents, insurance etc.) if applicable