Expected closing costs

There are certain basic fees accompanying closing the sale of a house. These expenses are commonly divided between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Florida to help show you through your transaction.

Loan-related closing costs    (Learn more)

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

At closing, these taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

  • 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 optimal sales price, but I'll also campaign for limited closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you are informed of exactly where your money is going.

Buyers: If you're buying a property in Hillsborough County, you will be given 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 reasonable range so you're not surprised when you come to the closing table. I'll be glad to look at the LE with you, answering your questions and highlighting any estimates that seem unusual.