Closing Costs

Closing costs typically include:

• Appraisal fee
• Title search & title insurance
• Recording fees
• Taxes
• Prepaid interest
• Homeowner’s insurance
• Loan origination fees

You’ll receive an itemized estimate early in the loan process so you know exactly what to expect.

You have several options:

• Your own funds
• Seller credits
• Lender credits (in exchange for a slightly higher rate)
• Gift funds
• Down payment assistance programs (if eligible)

I’ll help structure the loan so your upfront costs fit comfortably within your budget.

  Yes — but how you pay them is flexible. In many cases, we can reduce or eliminate your upfront cost on the day of closing.