Closing Costs
In the Emerald Coast Of Florida
1Administration fee
2 Appraisal fee
3 Appraisal review fee
4 Closing/escrow/settlement fee
5 Courier fee
6 Credit Report
7 Document preparation
8 Flood certification fee: Verifies if property is in a federally designated flood zone.
9 Flood monitoring: Monitors flood zone remapping.
l0 Home inspection
12 Home warranty
l3 Homeowner’s association transfer fee
l4 Homeowner’s insurance: Usually required to pay the entire first year’s insurance at closing.
l5 Homeowners insurance impounds: Two months’ worth of premiums.
l6 Lender’s Inspection fee: On new property, verifies construction is complete with carpeting and flooring installed.
l7 Loan discount: “Points.”
l8 Loan Origination Fee
l9 Loan tie-in fee: Closing agent’s services dealing with the lender.
20 Mortgage broker fee
2l Mortgage insurance impounds
22 Mortgage insurance
23 Notary fees
24 Pest inspection
25 Pre-paid interest: Accumulated interest between closing day and first payment.
26 Property tax impounds
27 Recording fees
28 Sub-escrow fee: Title insurance company charges this.
29 Tax service fee: Monitors payment of property tax.
30 Title insurance: For clear title to the property.
31 Underwriting fee
32 Up front mortgage insurance premium
33 VA funding fee: Paid to the VA for guaranteeing your loan.
34 Warehousing fee: The cost of a “warehouse” line of credit.
35 Wire transfer fee: Funds transfer from one account to another.
Not every fee applies to every transaction. These are examples of fees that can become a part of closing.
-Realtor® Rankin
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