Expected closing costs

There are certain typical fees related to closing the sale of a house. These expenses are usually split between the buyer and seller, as noted in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Georgia to help guide you through your deal.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

At closing, the following taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your deal, not only will I work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you are aware of exactly where your money is going.

Buyers: If you're buying a property in Emanuel County, you will get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an acceptable range so you're not stunned when you get to the closing appointment. I'll be happy to review the LE with you, answering your questions and highlighting any estimates that are uncertain.