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Don't forget to factor in closing costs when considering a home sale or purchase. Keller Williams Realty North County is seasoned at helping both buyers and sellers when it comes to closings. E-mail or call us today at 805-369-7777 if your needs include a professional REALTOR® ready for the business side of real estate.

Closing costs you should expect

There are certain ordinary costs related to closing the sale of a house. These expenses are usually divided between the buyer and seller, as noted 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 the transaction.

Loan-related closing costs    (More information)

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

At closing, the following taxes are usually paid    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (More information)

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

Sellers: As we hammer out your transaction, I'll not only work to get the very best sales price, but I'll also push for limited closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: When buying real estate in San Luis Obispo County, you'll receive 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 acceptable range so you're not surprised when you get to the closing appointment. I'll be willing to go over the GFE with you, answering your questions and highlighting any estimates that seem unusual.