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Closing Costs

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There may be closing costs customary or unique to a certain locality, but closing costs are usually made up of the following:

? Attorney's or escrow fees (yours and your lender's if applicable)
? Property taxes (to cover tax period to date)
? Interest (paid from date of closing to 30 days before first monthly payment)
? Loan origination fee (covers lender's administrative costs)
? Recording fees
? Survey fee
? First premium of mortgage insurance (if applicable)
? Title insurance (yours and your lender's)
? Loan discount points
? First payment to escrow account for future real estate taxes and insurance
? Paid receipt for homeowner's insurance policy (and fire and flood insurance if applicable)
? Any documentation preparation fees

(Article Courtesy Mortgage 101)

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