Closing costs you should expect

There are certain ordinary fees related to closing the sale of a house. These expenses are usually split between the buyer and seller, as directed 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 lead you through your deal.

Loan-related closing costs (More information)

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

Taxes you may be responsible for at closing (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 sale, I'll not only work to get the optimal sales price, but I'll also campaign for lower closing costs. And once we've come to an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a property in Miami-Dade County, you will get 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 reasonable range so you're not stunned when you come to the closing table. I'll be happy to look over the LE with you, answering your questions and highlighting any estimates that seem off.

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