Closing costs you should expect

 RC Realty can walk you through closing - 619-861-5669
There are certain standard costs related to closing the sale of a house. These costs are commonly split 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 California to help lead you through your process.

Costs pertaining to your mortgage to be paid at closing    (Click here for details)

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

Taxes commonly paid at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

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

Buyers: When buying real estate in San Diego, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's previous experience and are required to be within an acceptable range so you're not shocked when you get to the closing table. We'll be willing to look at the estimate with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

Don't forget to factor in closing costs when considering a home sale or purchase. RC Realty is seasoned at aiding both buyers and sellers when it comes to closings. E-mail or call me today at 619-861-5669 if your needs include a real estate pro ready for the business side of real estate.

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