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Closing Costs

The following is a list of seller's and buyer's typical closing costs. Each transaction is different depending on the terms of the real estate contract and the type of loan (Conventional, FHA or VA). Please check with your lender and title company to determine what applicable costs are allowable charges to either the seller and/or buyer.

Buyer's Costs

  1. 1st Loan Title Policy & Endorsements Premiums
  2. 2nd Loan Title Policy & Endorsements Premiums
  3. Recording of 1st Deed of Trust & Assignment
  4. Recording of 2nd Deed of Trust & Assignment
  5. Recording Processing Fee
  6. 1st Loan Closing Fee
  7. 2nd Loan Closing Fee
  8. Tax Certificate*
  9. State Documentary Fee
  10. Real Estate Closing Fee 1/2
  11. Recording of Deed
  12. E-Doc Recording Fee
  13. Homeowner's Annual Insurance Premium
  14. Homeowner's Insurance 2-3 Months Reseve
  15. Real Estate Taxes - 1-2 Months Reserve
  16. Survey
  17. Appraisal
  18. Credit Report
  19. Flood Certification
  20. Water & Sewer Prorations
  21. Courier / Ovenight Mail Fee(s)
  22. HOA Dues Prorations
  23. HOA Transfer Fee
  24. Loan Origination and Discount Fee
  25. Realty Tax Servcie Fee
  26. Loan Funding Fee
  27. Interest on New Loan Proration
  28. Private Mortgage Insurance Premium - PMI
  29. Lender's Document Preparation Fee
  30. Loan Underwritting / Admin / Processing Fee(s)
  31. Miscellaneous Loan Fee(s)
  32. 1st Loan E-Doc Fee
  33. 2nd Loan E-Doc Fee
  34. Earnest Money Deposit - Investment Account Fee

Seller's Costs

  1. Owner's Title Policy & Extended Coverages Premiums
  2. Existing Loan Payoff(s)
  3. Release of Deed of Trust Processing Fee(s)
  4. Real Estate Taxes - Prorations
  5. Tax Certificate*
  6. Water & Sewer Prorations
  7. Real Estate Closing Fee 1/2
  8. Courier / Ovenight Mail Fee(s)
  9. Real Estate Commission Fee
  10. HOA Dues Prorations
  11. HOA Transfer Fee
  12. Wire Fee
  13. Cashier's Check Fee
  14. Foreclosure Redemption Fee
  15. Title Purge Manufactured Home Fee
  16. Title Purge Manufactured Home Fee
  17. Escrow Setup Fees - Post Closing Items
  18. Down Payment Assistance Program
  19. Miscellaneous Recording Fees

* Note: The cost for a Tax Certificate may be a Seller’s or Buyer’s charge depending on the type of loan.
Colorado Association of Realtors             Colorado Mortgage Lenders Association             Attorneys Title Guaranty Fund, Inc.             Land Title Association of Colorado