Closing costs you should expect

There are certain normal expenses associated with closing the sale of a house. These expenses are commonly split 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 New York to help lead you through your transaction.

Costs pertaining to your mortgage 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

Insurance fees due at closing    (Details)

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

Sellers: As we hammer out your sale, I'll not only work to get the optimal sales price, but I'll also push for limited 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 are purchasing a property in Cayuga 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 suitable range so you're not shocked when you reach the closing appointment. I'll be willing to look over the LE with you, answering your questions and highlighting any estimates that seem questionable.

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