Ask for an itemized estimate
Request an itemized estimate from the lender and the closing or title professionals involved. Potential categories can include loan charges, title work, recording, taxes, insurance, prepaid items, inspections, surveys, and other transaction-specific expenses.
Understand who is responsible
The purchase agreement and other written documents determine which costs are assigned to the buyer or seller. Do not rely on a general online estimate or an assumption from another transaction.
Ask about credits and compensation
Seller-paid costs, lender credits, deposits, and agent compensation can depend on the offer, agreement, lender rules, and transaction details. Your lender and real-estate professionals should explain what applies to your situation.
Review before the deadline
Compare the final figures with earlier estimates and ask questions about changes. Keep wire instructions and payment details independently verified with the appropriate title or closing professional.
This is general education, not lending, legal, tax, title, or insurance advice. Ask the qualified professional responsible for each category to explain your specific figures.
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