Anticipated closing costs

There are certain standard fees related to closing the sale of a house. These expenses 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 Georgia to help guide you through your deal.

Loan-related closing costs    (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

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

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

Sellers: As we get through the details of your deal, I'll not only work to get the highest sales price, but I'll also push for lower 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'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 previous experience and is required to be within an appropriate range so you're not stunned when you get to the closing table. I'll be glad to look over the LE with you, answering your questions and highlighting any estimates that seem unusual.