What closing costs should you expect?

There are certain basic costs linked to closing the sale of a house. These costs are usually divided between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Kansas to help show you through the transaction.

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

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

At closing, these taxes are usually collected    (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 hammer out your sale, not only will I work to get the optimal sales price, but I'll also campaign for reduced closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you are aware of exactly where your money is going.

Buyers: When buying a home in Ford 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 previous experience and is required to be within an acceptable range so you're not stunned when you show up at the closing appointment. I'll be willing to look at the LE with you, answering your questions and highlighting any estimates that seem off.

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