Expected closing costs

 Cathy Heckman can walk you through closing - 303-638-7814


There are certain normal expenses accompanying closing the sale of a house. These expenses are usually divided between the buyer and seller, as dictated in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Colorado to help direct you through the process.

Closing costs that are tied to your mortgage    (Details)

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

At closing, the following taxes are usually collected    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Details)

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

Sellers: As we get through the details of your transaction, not only will we work to get the very best sales price, but we'll also advocate for limited closing costs. And once we've arrived at an agreement, we'll explain in detail the closing costs so you know exactly where your money is going.

Buyers: If you are buying a property in Berthoud, you'll get a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application and a "Closing Disclosure" no fewer than three days prior to closing. These estimates are based on the loan officer's past experiences and are required to be within a tolerable range so you're not startled when you get to closing time. We'll be willing to look at the estimate with you, answering your questions and highlighting any estimates that seem off.

Finding the right home at the right price is just one aspect of a real estate transaction. Cathy Heckman is experienced at aiding both buyers and sellers when it comes to closings. E-mail or call me today at 303-638-7814 if your needs include a professional REALTOR® experienced in the business side of real estate.

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