Your Closing Costs

There are certain standard costs associated with closing the sale of a house. Sellers and buyers almost always share these closing costs, as the sales contract specifies.

As indicated below, many of the buyer's closing costs cover the costs of getting the loan. Since Yamini Patel is highly experienced with closings and mortgages, we are closing cost experts.

Loan Estimates (LEs)

Buyers will receive a "Loan Estimate" of closing costs around the time the loan application is submitted to the lender. This cost estimate comes out of our past experience. Please note that while our LEs are very precise, we cannot always predict costs to the penny. We review Loan Estimates with buyers every day, so we'd be glad to answer the you have about closing costs.

Below you'll find a 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
  • Loan-related costs
  • Points — lower your mortgage interest rate (optional)
  • Appraisal Costs
  • Getting Your Credit Report
  • Interest Payment
  • Escrow Fees
  • Various Taxes
Property Taxes
  • Insurance
  • Recording Fees & Transfer Taxes
Homeowners Insurance
  • Title Insurance
  • Flood or Earthquake Insurance if applicable
  • Private Mortgage Insurance (PMI)

Yamini Patel can answer questions about these closing costs. Give us a call: (832) 730-2000.

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