Expected closing costs

There are certain expected costs related to closing the sale of a house. These fees are often split between the buyer and seller, as directed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in North Carolina to help guide you through the deal.

Loan-related closing costs    (Learn more)

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

At closing, these taxes are usually paid    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Learn more)

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

Sellers: As we get through the details of your sale, I'll not only work to get the optimal sales price, but I'll also campaign for limited closing costs. And once we've arrived at an agreement, I'll walk you through the closing costs so you are informed of exactly where your money is going.

Buyers: When buying a house in Rowan County, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within an appropriate range so you're not startled when you arrive at closing time. I'll be happy to look at the LE with you, answering your questions and highlighting any estimates of concern.