About Closing Costs

Certain standard costs are related to closing the sale of a house. Sellers and buyers almost always share these costs, as the sales contract specifies.

Many of the costs associated with buying a house are associated with getting a loan. Since Curtis Mortgage LLC has extensive experience with mortgages & closings, we are closing cost experts.

Loan Estimates (LEs)

Very shortly after you submit your application, we will give you a "Loan Estimate" of your closing costs. The closing costs spelled out in the Loan Estimate are estimated based on our experience with mortgage loans, but costs often change by small amounts between delivery of the Loan Estimate (LE) and closing. We go over Loan Estimates with buyers almost every day, so we'd be glad to answer your questions about closing costs.

Below is a fairly general list of costs for buying a home. We will always provide you with a specific list of your closing costs when we provide your Loan Estimate.

Standard Closing Costs

Loan-Related Costs
  • Escrow Account
  • Various Taxes
  • Loan Origination Fee
  • Points — A fee paid to lower your mortgage interest rate (optional)
  • Appraisal Fee
  • Credit Report
  • Up-front Interest Payment
Property Taxes
  • Recording Fees and Transfer Taxes
  • Insurance
Homeowners Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance
  • Flood / Quake Insurance

Curtis Mortgage LLC can help you understand closing costs. Give us a call: 610-565-3600.