In an earlier article, we talked about the paperwork you will sign on closing day when you buy a house. There are also a number of costs that will need to be paid at closing. In general, closing costs are split between the buyer and seller, but can be negotiated at the time you make the offer to buy a house.
Fees paid to the lender when you buy a house include the loan origination fee that pays for the administrative work required to process the loan paperwork. Sometimes it is a flat fee or a percentage of the mortgage amount. Loan discount points, often referred to as just "points" adjust the yield on the loan to current market conditions. One point is equal to one percent of the mortgage total. A fee is charged for an appraisal that the lender uses to value the property when you buy a house. Sometimes this is paid when you apply for a loan to buy a house. It will be shown as POC or "paid outside closing" if that has happened. You will also be charged a credit report fee that may have been paid during the loan application. And finally, you may pay an assumption fee if you are taking over the payments to buy a house on the seller's existing loan.
You ฝากขายทาวน์เฮ้าส์ may have to pay some costs associated with the loan in advance. For example, you will most likely owe the total of the interest from the date of settlement to the date when the first payment is due. This would be pro-rated for the number of days during that timeframe. You may be asked to pay the first payment of your mortgage insurance, or a lump-sum of the first year's premium.
When you buy a house, some money will need to be put into escrow if property taxes, mortgage insurance and homeowner's insurance will be paid by the mortgage lender.
Fees paid to outside entities when you buy a house will include the settlement fee, title search fee, title insurance, document prep and legal fees. In most states, you will have to pay a tax on the property transfer and a recording fee to file the documents. Miscellaneous charges might include surveyor's fees, and fees for pest control.
A number of adjustment costs are charged and need to be paid at closing if the seller has made advance payments on things that will be the buyer's responsibility once the sale is final. This includes property taxes.
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