Expected closing costs

There are certain typical expenses related to closing the sale of a house. These costs are usually split between the buyer and seller, as directed in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Connecticut to help guide you through the deal.

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

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

At closing, these taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for more information)

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

Sellers: As we hammer out your transaction, not only will I work to get the optimal sales price, but I'll also campaign for limited closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you know exactly where your money is going.

Buyers: If you're buying a property in Hartford County, you will receive 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 tolerable range so you're not startled when you show up at the closing table. I'll be willing to go through the LE with you, answering your questions and highlighting any estimates of concern.

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