The BUYER can generally be expected to pay for:

• Title insurance premium for Lender's policy
  
  
• Escrow fee (one half)
  
  
• Document preparation (if applicable)
  
  
• Notary fees
  
  
• Recording charges for all documents in Buyer's name
  
  
• Tax proration (from date of acquisition)
  
  
• All new loan charges (except those required by Lender for Seller to pay)
  
  
• Interest on new loan from date of funding to 30 days prior to first payment date
  
  
• Assumption/change of records fees for takeover of existing loan
  
  
• Beneficiary statement fee for assumption of existing loan
  
  
• Inspection fees that you choose (roofing, property inspection, geological, etc.)
  
  
• Fire insurance premium (for a condo this is included in your monthly HOA payment)

The SELLER can generally be expected to pay for:

• Real Estate Commission
  
  
• Document preparation fee for deed
  
  
• Documentary transfer tax, if any
  
  
• Payoff of all loans in Seller's name
  
  
• Interest accrued to lender being paid off
  
  
• Statement fees, re-conveyance fees and any prepayment penalties
  
  
• Termite inspection (or according to contract)
  
  
• Any judgments, tax liens, etc., against the Seller
  
  
• Tax proration (for any taxes unpaid at time of transfer of title)
  
  
• Any unpaid homeowner's dues
  
  
• Recording charges to clear all document of record against Seller
  
  
• Any bonds or assessments (or according to contract)
  
  
• Any and all delinquent taxes
  
  
• Notary fees
  
  
• Escrow fee (one half)
  
  
• Title insurance premium for Owner's policy
  
  
• Termite inspection (or according to contract)
  
  
• Homeowner's transfer fee
  
  
• City transfer/conveyance tax (or according to contract)