Potential Closing Costs

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Real Estate

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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