Don't forget to factor in closing costs when considering a home sale or purchase. Herbert (Herb) Dempsie is experienced at helping both buyers and sellers when it comes to closings. E-mail or call us today at 814-946-8682 if your needs include a professional REALTOR® experienced in the business side of real estate.

Anticipated closing costs

There are certain standard expenses linked to closing the sale of a house. These fees are usually divided between the buyer and seller, as spelled out in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Pennsylvania to help guide you through your transaction.

Loan-related closing costs    (Click here for details)

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

Taxes you may be responsible for at closing    (Click here for details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Click here for details)

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

Sellers: As we negotiate your transaction, not only will I work to get the optimal sales price, but I'll also push for lower closing costs. And once we've reached an agreement, I'll walk you through the closing costs so you know exactly what you're paying for.

Buyers: If you are purchasing a house in Blair County, you'll get a "Good Faith Estimate" (GFE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's previous experience and is required to be within an appropriate range so you're not stunned when you come to closing time. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates that appear to be out of the ordinary.

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Herbert (Herb) Dempsie 300 Orchard Ave Altoona PA 16602
Cell: 814-696-9714 Email: Herb@HerbDempsie.com
License Number RS310343

Howard Hanna Johnston Realty 300 Orchard Ave Altoona Pa 16602
Office: 814-946-8682

 

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