
	Don't forget to factor in closing costs when considering a home sale or purchase. Barbara Iskowitz-Coldwell Banker is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at (732) 254-3750 if your needs include a professional REALTOR^® ready for the business side of buying and selling.

Expected closing costs

There are certain normal costs accompanying closing the sale of a house. These costs are often divided between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in New Jersey to help lead you through the deal.

Loan-related closing costs (Details)

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

At closing, these taxes are usually collected (Details)

Property Taxes
Transfer Taxes and Recording Fees

At closing, these fees are often due (Details)

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

Sellers: As we hammer out your sale, I'll not only work to get the optimal sales price, but I'll also push for lower closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are informed of exactly what you're paying for.

Buyers: If you are purchasing a home in Middlesex County, you'll be given a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a suitable range so you're not startled when you reach the closing appointment. I'll be glad to look over the GFE with you, answering your questions and highlighting any estimates that seem off.