Closing Costs for Home Real Estate Transactions

Every home sale incurs fixed costs. Buyers and sellers customarily split these closing costs, as specified in the sales contract.

As the list below indicates, many of the closing costs result from getting your mortgage loan. Since Custom Lending Group has extensive experience with closings & mortgages, we are closing cost experts.

The Loan Estimate (Also known as the LE)

Soon after you apply for a loan, we will provide you with a "Loan Estimate" of your costs. The closing cost estimate comes out of our past experience. Please note that while our LEs are very accurate, we cannot always predict your closing costs to the penny. We will be glad to review the "Loan Estimate," answering your questions and pointing out costs that can vary a little bit at closing.

Below is a generic list of closing costs. We will provide you with a specific list of your closing costs when we give you a Loan Estimate.

Standard Closing Costs

Loan-Related Costs
  • Appraisal Costs
  • Credit Report
  • Up-front Interest Payment
  • Escrow Account
  • Taxes
  • Loan Origination Fee
  • Points — lower your mortgage interest rate (optional)
Property Taxes
  • Insurance
  • Transfer Taxes & Recording Fees
Homeowners Insurance
  • Flood / Quake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

Custom Lending Group can answer questions about these closing costs. Call us at (707) 252-2700.

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