Don't forget to factor in closing costs when considering a home sale or purchase.  Debi Townsend is experienced at assisting both buyers and sellers when it comes to closings.  E-mail or call me today at (941) 875-1000 if your needs include a professional REALTOR® experienced in the business side of buying and selling.

Anticipated closing costs

There are certain normal fees associated with closing the sale of a house. These expenses are often divided between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Florida to help direct you through the deal.

Loan-related closing costs    (Details)

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

Taxes you may be responsible for at closing    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we hammer out your sale, I'll not only work to get the optimal sales price, but I'll also advocate for limited closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are informed of exactly where your money is going.

Buyers: If you are buying a house, you'll get a "Good Faith Estimate" (GFE) 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 willing to go over the GFE with you, answering your questions and highlighting any estimates that seem unusual.