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Escrow – Who Pays for What?

The Seller can generally* be expected to pay for:

  • Real Estate commission
  • Owners title insurance policy
  • One-half of the sub-escrow fee
  • Seller’s escrow fee and processing fee
  • Homeowner’s transfer fee (according to contract)
  • Documentary transfer tax
  • City transfer or conveyance tax
  • Loan fees required by buyer’s lender (FHA/VHA only)
  • Document preparation fee for deed
  • Payoff all loans in seller’s name
  • Interest accrued to lender being paid off, statement fees, reconveyance fees and prepayment penalties
  • Termite inspection (according to contract)
  • Termite work (according to contract)
  • Home warranty (according to contract)
  • Any judgements, tax liens, etc., against the seller
  • Tax proration (for any taxes unpaid at the closing)
  • Any unpaid homeowner’s dues
  • Recording charges to clear all documents of record against seller
  • Any bonds or assessments (according to contract)
  • Any and all delinquent taxes
  • Notary fees
  • Natural Hazard Report
  • Messenger fees

The Buyer can generally* be expected to pay for:

  • Lenders title insurance policy One-half of the sub-escrow fee Buyer’s escrow fee and processing
  • Document preparation (if applicable)
  • Email Loan Document fee
  • Notary fees (as applicable)
  • Recording charges for all documents in buyer’s name
  • Tax proration (for any taxes unpaid at the closing)
  • Homeowner’s transfer fee (according to contract)
  • All new loan charges
  • Interest on new loan
  • Inspection fees (roofing, property, geological,etc.)
  • Home warranty (according to contract)
  • City transfer tax (according to contract)
  • Fire insurance premium for first year
  • Next month’s HOA dues
  • Messenger fees

* All fees are negotiable and subject to change. To learn what the Escrow Process is Click Here.

  • Angela Fox Martin

    Angela Fox Martin
    760-702-6762
    CALBRE #00964448
  • Testimonial

    ” I cannot say enough good things about Angela. I have bought and sold 2 properties with Angela and she is the consummate professional. Her market knowledge, negotiating skills, compassion for buyers and
    sellers’ needs and attention to detail is remarkable. Angela makes the process of buying and selling as seamless as possible for both buyers and sellers. It was a pleasure to work with her in both instances.”

    – Robin G.

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