Expected closing costs

There are certain typical costs associated with closing the sale of a house. These expenses are usually split between the buyer and seller, as noted 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 process.

Closing costs that are loan-related    (More information)

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

At closing, these taxes are usually collected    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (More information)

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

Sellers: As we get through the details of your deal, not only will I work to get the highest sales price, but I'll also push for reduced closing costs. And once we've arrived at an agreement, I'll fully clarify the closing costs so you are aware of exactly where your money is going.

Buyers: If you're buying a property in Onslow 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 prior experience and is required to be within a reasonable range so you're not startled when you show up at closing time. I'll be glad to review the LE with you, answering your questions and highlighting any estimates that seem questionable.