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Buyer's Closing Costs
Welcome > For Buyers > Buyer's Closing Costs ...

The typical costs for buyers in the Greater Rochester, Pittsford and Brighton area are comprised of three elements: First, your down payment, second, your prepaids or your escrows (typically, this will be equal to one year's taxes and property insurance) and third, closing costs which include bank fees, tax adjustments, attorney fees, etc. See below for schedule. 

Closing costs:
*Application Fee - FHA $350.00, Conventional $375 to $450. 

*Points / Orgination Fee (one point equals 1 percent of the mortgage amount) there are no standards or typical fees, you can often get a lower interest rate if you are willing to pay one or more points. In times of lower interest rates it is usually not common to pay any points. 

*Title Insurance - (approximately .0060 x mortgage amount) 

*New York State Tax (.0075 x mortgage amount - $25) 

*Personal Attorney ($350 - $750) Note: My preferred professionals charge towards the lower end and provide a superior service. 

*Bank Attorney ($400 - $550) 

*Administrative Fees (Miscellaneous) ($300 - $400) 

*Prepaid interest (from closing date to first of following month) 

*Inspections (engineer - $200-$350, Radon $100 - $150, Pest $75 - $100, Chimney $75 - $125) 

*Property insurance (approximately $3.65 per thousand of property purchase price) 

*Recording Fee ($100-$150) 

*Title Endorsements ($50) 

*Flood Certification ($22) 

*Document Preparation Fee ($100 - $150) 

*Courier Fees ($25 - $75) 

*Underwriting Fee ($200 - $300) 

*Apprasial Fee ($350 - $450) 

*Application Fee ($0 - $400)
 

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Real Estate Tips
Selling Your Home >Showtime

Does your home have more than its share of dust bunnies? Do you have a "noticeable" kitty litter box and closets whose contents tumble toward your feet when opened? If you are planning to sell your home, please don't be offended by your real estate agent's suggestions about what you should do to prepare your home for the market.

One of the major challenges that sellers face is keeping their home in top showing condition while it is on the market. Many sellers have difficulty incorporating this necessity into their already busy lives. In such situations we strongly recommend that you get professional help.

If you already have a cleaning person, you may want to increase the cleaning frequency. Remember that not all buyers want to use their imagination to visualize a well-kept home. They usually react emotionally to exactly what they see, rather than to the possibilities that your home represents. If your home looks like it will require a lot of work, buyers may elect to keep looking.

For most sellers, the goal is to get the home sold as quickly as possible, and for the best price. Hiring a professional cleaner can pay high dividends.

See All Tips In The "Selling Your Home" Category >
See Complete Library Of Hundreds Of Tips In 30+ Categories >

Real Estate Trivia
Q 
In what real estate market are more than 90 percent of home sales cash transactions?

A 
Palm Beach, home to princes, politicians, and CEOs, has homes from 2,000 sq.ft. condos to 56,000 sq.ft. estates.
See More Real Estate Trivia >


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The Jeff Scofield Team, REALTOR®, real estate agent and broker for Rochester, Pittsford and Brighton, New York home listings, property and land for sale - NUMBER1EXPERT

The Jeff Scofield Team
RE/MAX PLUS

2171 Monroe Avenue
Rochester, Pittsford and Brighton, NY 14618
585-721-3010
585-730-9110
Email: thejeffscofieldteam@gmail.com

As one of America's NUMBER1EXPERTS� in the Rochester area, Jeff has a passion to ensure that his buyers get the best home at the best price. His utilization of master negotiating skills, extensive knowledge of the local housing market, and attention to detail have successfully served hundreds of buyers. Jeff utilizes his MBA in marketing to successfully market the homes of his sellers. His marketing system provides an unequaled amount of advertising and exposure for his clients' homes along with sound advice on presentation and price. Call or e-mail him today!!!

CRS ePro GRI MLS SRES wcr CRB CBR ABR Equal Housing REALTOR



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