Expected closing costs

There are certain typical fees accompanying closing the sale of a house. These expenses are often divided between the buyer and seller, as spelled out in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help guide you through the transaction.

Loan-related closing costs    (Learn more)

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

At closing, these taxes are usually collected    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

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

Sellers: As we negotiate your transaction, I'll not only work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly where your money is going.

Buyers: If you are purchasing a house in Centre County, you'll be given a "Loan Estimate" (LE) 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 a suitable range so you're not surprised when you arrive at closing time. I'll be happy to look through the LE with you, answering your questions and highlighting any estimates that seem off.

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