Finding the right home at the right price is just one part of a real estate transaction. Better Homes and Garden /Tech Valley is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call us today at 518-435-9944 if your needs include a real estate pro experienced in the business side of real estate.

Anticipated closing costs

There are certain standard expenses related to closing the sale of a house. These costs are commonly split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in New York to help show you through your process.

Closing costs that are loan-related    (Details)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

At closing, the following taxes are usually paid    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your sale, not only will I work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you know exactly where your money is going.

Buyers: If you're purchasing a house in Albany County, you will get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an appropriate range so you're not shocked when you reach the closing table. I'll be willing to look through the GFE with you, answering your questions and highlighting any estimates that are uncertain.


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