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Who pays what at Closing?

Here are some things you should know about who traditionally pays the costs associated with closing on a mortgage. Some items (*) may be charged to either the buyer or the seller depending on individual lender, purchase agreement or sales price.
FHA
 Federal Housing Authority
Buyer
  • Appraisal*
  • Closing Fee*
  • Mortgage Title Insurance*
  • Escrows - Insurance/Taxes*
  • Homeowners Insurance Premium*
  • Credit Report*
  • One-Time MIP*
  • Origination Fee*
  • Prepaid Interest*
  • Recording Fee*
  • 3% Down Payment*
    		•
    Seller
  • Deed and Affidavit
  • Document Preparation
  • Owners Title Insurance
  • Real Estate Brokerage
  • Tax Service Fee
  • Underwriting Fee
  • Courier Fee
  • Discount Points*
  • Down Payment Assistance
    		•

    VA
     Veteran Affairs
    Buyer
  • Appraisal*
  • Credit Report*
  • Mortgage Title Insurance*
  • Escrows - Insurance/Taxes*
  • Homeowners Insurance Premium*
  • VA Funding Fee*
  • Origination Fee*
  • Prepaid Interest*
  • Recording Fee*
  • Survey*
  • Discount Points*
    		•
    Seller
  • Closing Fee
  • Deed and Affidavit
  • Document Preparation
  • Owners Title Insurance
  • Real Estate Brokerage
  • Tax Service Fee
  • Underwriting Fee
  • Courier Fee
  • Termite Inspection
  • Inspection Fee
    		•

    Conventional
    Buyer
  • Appraisal*
  • Closing Fee*
  • Credit Report*
  • Mortgage Title Insurance*
  • Escrows - Insurance/Taxes*
  • Homeowners Insurance Premium*
  • Discount Points*
  • Underwriting Fee*
  • Inspection Fee*
  • One Year PMI*
  • Origination Fee*
  • Prepaid Interest*
  • Recording Fee*
  • Survey*
  • Termite Inspection*
  • Assignment Fee*
  • Courier Fee*
    		•
    Seller
  • Deed and Affidavit
  • Owners Title Insurance
  • Real Estate Brokerage
  • Courier Fee for Payoff
    		•

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