Anticipated closing costs

There are certain typical costs associated with closing the sale of a house. These costs are commonly divided between the buyer and seller, as directed in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Vermont to help guide you through the process.

Costs pertaining to your loan to be paid at closing    (Click here for more information)

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

At closing, these taxes are usually collected    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we hammer out your deal, I'll not only work to get the highest sales price, but I'll also campaign for lower closing costs. And once we've reached an agreement, I'll give a detailed list of the closing costs so you are informed of exactly where your money is going.

Buyers: If you are purchasing a house in Orleans County, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an appropriate range so you're not surprised when you get to the closing appointment. I'll be glad to review the LE with you, answering your questions and highlighting any estimates that seem questionable.

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