Expected closing costs

There are certain basic fees related to closing the sale of a house. These costs are commonly divided between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Connecticut to help guide you through your process.

Loan-related closing costs    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

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

Buyers: If you're buying real estate in Hartford County, you'll get 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 a reasonable range so you're not surprised when you show up at the closing table. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.

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