Closing Costs for Home Real Estate Transactions

"Closing Costs" are the fees that pay for various services involved when you sell or buy a home. Buyers & sellers negotiate to decide how to share these costs.

As indicated below, many of the buyer's costs are related to the costs of getting the loan. Since Statewide Funding is highly experienced with mortgages & closings, we are closing cost experts.

Loan Estimates (LEs)

Buyers will receive a "Loan Estimate" of closing costs at the time the loan application is submitted to the lender. We base this closing cost estimate on our many years of past experience. Please note that while our LEs are very accurate, we cannot always predict closing costs to the penny. We go over Loan Estimates with buyers every day, so we'd be glad to answer your questions about closing costs.

We've provided a general list of closing costs below, but we will give you a specific list of closing costs, with amounts, soon after you have completed your application. At Statewide Funding, we don't believe in surprises, so if your costs change, we will be sure to let you know immediately.

Standard Closing Costs

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

Statewide Funding can help you understand closing costs. Give us a call: (415) 456-7802.

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