Closing costs you should expect

There are certain expected fees related to closing the sale of a house. These expenses are usually 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 Texas to help guide you through your deal.

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Costs pertaining to your loan to be paid at closing    (Details)

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

At closing, these taxes are usually collected    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Details)

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

Sellers: As we negotiate your deal, I'll not only work to get the highest sales price, but I'll also campaign for reduced closing costs. And once we've come to an agreement, I'll explain in detail the closing costs so you know exactly what you're paying for.

Buyers: If you're buying real estate in Denton County, you will get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an appropriate range so you're not surprised when you reach the closing table. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates that seem unusual.