Peter Mohylsky, Beach Expert, Call me at 850-517-7098 (PMI. Destin)

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Marco Giancola
Beachfront Realty - Miami Beach, FL
Realtor (305)608-1922, Miami Beach Florida

Same down here Peter.

Feb 18, 2016 08:09 PM
Sandy Padula & Norm Padula, JD, GRI
HomeSmart Realty West & Florida Realty Investments - , CA
Presence, Persistence & Perseverance

Whoever chooses title pays title insurance. Custom is buyer pays closing costs with the exception of Documentary Stamp tax.

Feb 18, 2016 09:14 PM
Anthony Acosta -
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

In Atlanta seller pays for his closing cost and buyer will pay heir closing cost.

Feb 18, 2016 08:53 PM
Thomas J. Nelson, REALTOR ® e-Pro CRS RCS-D Vets
Big Block Realty 858.232.8722 - La Jolla, CA
CEO of Vision Drive Realty - Coastal San Diego

Buyer                                     Seller

Escrow Fees                         Escrow Fees

                                                Title Fees

Loan Fees                              Brokerage Fees

                                                County Transfer Tax & Retrofit Fees 

Inspection Fees                    HOA Doc & Transfer Fees (when applicable).

Feb 18, 2016 08:51 PM
Nina Hollander, Broker
Coldwell Banker Realty - Charlotte, NC
Your Greater Charlotte Realtor

I don't know of any mortgage lender who will lend anywhere without title insurance. In NC and SC it's a buyer's closing cost. Stamp tax  (sales tax) is always a seller cost here unless it's new construction when the buyer typically pays it. As for other closing costs, first we negotiate an amount for them (if any) and the settlement attorney simply applies buyer closing costs and prepaids against that number until they "run out of allowance."

Feb 18, 2016 08:26 PM
Greg Cremia
Shore Realty of the Outer Banks - Nags Head, NC

Seller pays transfer tax, doc tax, and title preperation. Everything else is buyer.

Feb 18, 2016 09:17 PM
Michael Thacker - Re/Max Real Estate Center - Louisville
Re/Max Real Estate Center - The Thacker Group - Louisville, KY
Your best friend who just happens to be a Realtor

I don't suggest to my clients to have closing costs spelled out in the offers. Like putting a "trade" in a car deal, just makes it messy. 

Feb 18, 2016 08:57 PM
Lyn Sims
Schaumburg, IL
Real Estate Broker Retired

We have it in IL also. Average closing costs in IL is $1900. Bankrate does a survey every year by state if anyone cares.

Feb 18, 2016 08:51 PM
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty


Feb 18, 2016 08:46 PM
Kat Palmiotti
eXp Commercial, Referral Divison - Kalispell, MT
Helping your Montana dreams take root

In my area, almost everything falls to the buyer (appraisal, title, inspection, etc). The seller's costs are minimal - commission, mortgage payoff, state transfer taxes and that's pretty much it.

Feb 18, 2016 08:37 PM
Brenda J. Andrew
Professional Realtor in Conroe/Willis, TX

In Texas the buyer normally pays all of the lender fees, escrow fees for taxes and insurance and survey.  The seller normally pays for Realtor fees & title policy.  It's neat to hear about how different states handle things differently.  Thanks for sharing this one!

Feb 18, 2016 08:26 PM
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

Everything is negotiable.

May 21, 2019 08:56 PM
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

The norm is that sellers pay part if not all of the closing costs. As a seller agent, it is my job to keep this to a minimum.

Aug 20, 2016 06:33 AM
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Buyer pays their own title insurance, buyer pays the doc stamp fee, and seller pays for their owner's title insurance. 

Feb 19, 2016 10:53 PM
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Peter. I do mortgages in 8 states, all are a little different when it comes to closing costs and market conditions.

Florida is unique when it comes to title insurance.

Feb 19, 2016 06:25 PM
Cindy Argerious
Bachman Lear & Company, Inc. - Tampa, FL
Fla Mtg Professional, No Closing Costs programs

The norm in most of Florida is the Seller pays for the Doc Stamps and the Owner's Title policy, and the Buyer pays for all costs assosicated with securing the mortgage.  

Feb 19, 2016 09:34 AM
Mark Hairston
United Lending - Austin, TX
Mortgage professional/Mortgage trainer for 30 yrs

Closing cost in the local Austin market are generally paid by the buyer except for the Owner's Title policy. W also price loans where the lender will pay all of the costs.

Feb 19, 2016 05:31 AM
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

I had a lawyer as a client and she went after the escrow for charging the seller (a builder) a cheaper fee. The escrow got a fine for transferring some of the sellers cost to the buyer. 

Feb 19, 2016 05:28 AM
Daniel Dixon
Keller Williams Integrity - Denver, CO
Real Estate Team serving the Denver Metro area

Colorado is a state where seller chooses title company, so they pay for the title policy as negotiated in the purchase contract.  Buyer is respnosible to split the closing fee from the title company and pay for the lenders title policy.  All items are negotiated by buyers and listing agents, so things can change on a case by case basis.  

Daniel Dixon - The Dixon Group


Feb 19, 2016 05:09 AM
Joe Pryor
The Virtual Real Estate Team - Oklahoma City, OK
REALTOR® - Oklahoma Investment Properties

It's negotiable here as it should be. I don't believe in customary being a law.

Feb 19, 2016 04:56 AM
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

In our market the sellers almost always pay doc stamps.  The rest is all negotiable.  In my county, it's usually the buyers who pay for the title, while it's the opposite on the counties to either side.

Feb 19, 2016 04:00 AM
Ryan Huggins - Thousand Oaks, CA - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Escrow costs - each pay own.  Seller usually provides a level of title insurance and the home warranty.

Feb 19, 2016 03:35 AM
Kathleen Luiten
Resort and Second-Home Specialist - Princeville, HI
Kauai Luxury Ocean Home Sales

Our norm is the same as Thomas J. Nelson, Realtor here on Kauai.

Feb 19, 2016 02:17 AM
Joan Dickie
Keller Williams Premier Realty - La Crosse, WI
Keller Williams Premier Realty

In WI, seller buys owners title policy, buyer buys lender policy.  Seller pays tax on sale, buyer pays to record deed.  Closing fee is built into title policy so seller pays.  Seller pays deed prep fee.

Feb 19, 2016 12:15 AM
Scott Godzyk
Godzyk Real Estate Services - Manchester, NH
One of the Manchester NH's area Leading Agents

Here in NH the buyer and seller split transfer tax 50/50.  The buyer pays their own title search and insurance unless they ask for concessions 

Feb 18, 2016 11:53 PM
Michael J. Perry
KW Elite - Lancaster, PA
Lancaster, PA Relo Specialist

In our area it's driven by price point . Under $300,000, buyer agents ask for 3% seller assist typically .

Feb 18, 2016 10:18 PM
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

the seller always pays tax stamps here....and the buyer is responsible for the title insurance required by the bank....and he will pay for his own policy if he's intelligent enough to buy it...

Feb 18, 2016 10:00 PM
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Practices vary from county to county, as well as state to state!

Feb 18, 2016 09:42 PM
Richard Weeks
Dallas, TX
REALTOR®, Broker

In our market typically the seller pays the title insurance other closing cost are split.

Feb 18, 2016 09:28 PM