Buyer's costs

• On a new loan, the lender's title policy premium

• One half of the escrow fee

• Document preparation, notary and courier fees

• Recording fees for documents in buyer's name

• Homeowner's association transfer fee

• All new loan charges

• Interest on new loan from date of funding to 30 days prior to first payment

• Home inspection fee(s)

• Home warranty premium per contract

• Hazard insurance premium for fist year

• Any prepaid items, such as interest and funds for an escrow account

Seller's costs

• Owner's title insurance premium

• Real estate commission fees

• One half of escrow fees, except VA loans

• Payoff all loan's in seller's name

• Any fees from existing loans, such as prepayment penalties, interest accrued on loan being paid off, etc.

• Homeowner's association transfer fee

• Home warranty premium per contract

• All liens, judgments, against seller

• Recording charges to clear all documents of record against seller

• Property taxes prorated to the date the title is transferred

• Any delinquent property taxes

• Any outstanding Homeowner's Association dues

• Any bonds or assessments, per contract

• Any other fees or repairs, as stated in contract

• Septic fees, per contract

• Courier fees