There are a number of closing costs that the buyer and the seller need to consider. Below are the typical closing costs that are paid by each party in our county, however, sometimes these are paid by the other party (as defined by the contract):
| Buyer Responsibility | Seller Responsibility |
| Half of escrow | Half of escrow |
| Document preparation fees per the lender | Title Insurance Premium |
| Pro-rated property taxes from closing date | Excise Tax (based on county percentage) |
| Homeowners Insurance | Pro-rated, unpaid property taxes |
| Inspection fee | Pro-rated, unpaid utilities |
| Appraisal fee | Pro-rated, unpaid homeowner association dues |
| Mortgage interest from loan date to first payment | Unpaid assessments |
| Any outstanding liens and judgements | |
| Real estate commission |
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