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The Closing or Settlement Usually Occurs at a meeting, But at Times an Escrow Agent Can Complete the Processes. Not all areas of the country have the same procedures for closings and you should first familiarize yourself with what will be expected of everyone when the time comes for you to close on your prospective home. Your attorney should be the best source for this important information.

Common Closing Costs That Need to Be Paid at the Closing Are:

Lender's Fees
A. Loan origination.
B. Loan discount points if they apply.
C. Commitment.
D. Credit report.
E. Appraisal.

Prepayments
G. Interest from the date of the closing to the beginning of the first monthly payment
H. Property Tax and Insurance prepayment account.
I. Mortgage Insurance Premium if it applies.
J. Hazard Insurance Premium.

Additional Fees
K. Title charges.
L. Attorney fees.
M. Recording and transfer fees.
N. Termite inspection, professional home inspection, other environmental inspections and survey fees.

What Is Your Attorney Responsible For?
· Title search.
· Obtaining the loan package from the lender.
· Arranging for title insurance.
· Making sure all required documents are included and reviewed.
· Validate all inspections.
· Check all contingencies.
· Filing all of the signed documents with the proper agencies.
· Ordering of the survey.
· Distribution of funds.

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