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The biggest closing costs tend to be title insurance, transfer tax and commission. Check for local title companies since many offer calculators to help you determine transfer tax and title insurance costs. The prices vary based on the sales price of the house.

There may be other costs that are specific to your situation including the pro-ration of taxes, any credits/debits for things like propane or association fees. Some contracts also request sellers to pay a portion of the buyer’s closing costs. A buyer’s closing costs include things like the appraisal, credit report checks, loan initiation fees, down payment, etc.

Sellers should be given a copy of the closing documents including a breakdown of costs just before closing, but a Realtor can also provide you with a close estimate at the time of an offer. You can ask your Realtor for a net sheet, which will give you a good idea of what you will pay at closing but might not include the things specific to your situation like the pro-ration of taxes and association fees.

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