Buyer Fees · Lender · Title · Escrow
| Fee | Typical Cost | Negotiable? |
|---|---|---|
| Loan Origination | 0.5-1% of loan | Yes |
| Appraisal | $300-600 | No |
| Home Inspection | $300-500 | No (but optional) |
| Title Insurance | $500-3,000 | Shop around |
| Title Search | $200-400 | Sometimes |
| Attorney Fees | $500-1,500 | Varies by state |
| Recording Fees | $50-250 | No |
| Escrow/Prepaid | 2-6 months taxes+insurance | No |
| Strategy | Savings |
|---|---|
| Ask seller to pay closing costs | Up to 3-6% of price |
| Shop lenders (Loan Estimate comparison) | $1,000-3,000 |
| Negotiate lender fees | $500-1,500 |
| Close at end of month | Reduces prepaid interest |
| No-closing-cost mortgage | Higher rate tradeoff |