Closing costs you should expect

There are certain standard expenses associated with closing the sale of a house. These expenses are usually split between the buyer and seller, as instructed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Florida to help show you through your process.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

Taxes you may be responsible for at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your deal, not only will I work to get the optimal sales price, but I'll also campaign for limited closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you are informed of exactly what you're paying for.

Buyers: When purchasing a home in Miami-Dade County, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within a tolerable range so you're not astonished when you arrive at closing time. I'll be glad to review the LE with you, answering your questions and highlighting any estimates that are uncertain.

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Delphi Investment Realty

6303 Blue Lagoon Drive Suite 400
Miami, FL 33126