Who Pays What?
The Seller Will Generally be Expected to Pay For:
- Real Estate Commission
- Title and Escrow Fees
- Document preparation fee for Deed
- Document recording charges that effect the seller
- County Transfer Tax ($1.10 per $1,000 of sales price) This varies with county and city
- Any loan fees required by buyer’s lender
- Notary fees – Sellers Documents
- Termite inspection and repairs according to contract
- Any city transfer/reconveyance tax
- Special delivery/courier fees
- Payoff of all loans in seller’s name
- Interest accrued to old lender, Statement Fees, Reconveyance Fees and any prepayment penalties
- Homeowner’s association transfer fee and prorate dues (negotiable)
- Bonds of assessments according to contract
- Home warranty according to the contract
- All delinquent taxes
- Any judgments, tax liens, etc. against the seller
- Tax proration
- Recording charges to clear all documents of record against seller
The Buyer Will Generally Be Expected to Pay For:
- Title insurance premium covering loan policy (ALTA)
- Notary Fees – Buyer Documents
- Document preparation fees – Buyer Documents
- Tax proration
- Inspection fees (roofing, geological, property, etc.)
- Homeowner’s transfer fees
- Special delivery/courier fees
- All new loan charges (except those required by the lender for the seller to pay)
- Interest on new loan from date of funding to 30 days prior to first payment date
- Fire insurance premium for the first year
- City transfer/reconveyance tax according to the contract
- Preliminary change of ownership fee
- Assumption/change of records fees for takeover of existing loan
- Beneficiary statement fee for assumption of existing loan
- Other proration if applicable
The above items are negotiable between buyer and seller, as agreed upon in your individual sales contract. This is for informational purposes only.



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