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Don't forget to factor in closing costs when considering a home sale or purchase. Tampa Bay Real Estate is experienced at assisting both buyers and sellers when it comes to closings. E-mail or call us today at 813-920-3323 if your needs include a professional REALTOR® ready for the business side of buying and selling.

Closing costs you should expect

There are certain standard costs related to closing the sale of a house. These fees are usually split between the buyer and seller, as noted in the sales contract. Many are universal, but there are nuances to each, so you'll want a real estate expert in Florida to help lead you through the deal.

Loan-related closing costs    (Click here for more information)

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

Taxes commonly paid at closing    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we hammer out your transaction, I'll not only work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've arrived at an agreement, I'll give a detailed list of the closing costs so you know exactly what you're paying for.

Buyers: If you're buying a home in Hillsborough County, you will be given 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 past experiences and is required to be within a tolerable range so you're not startled when you get to closing time. I'll be glad to go through the GFE with you, answering your questions and highlighting any estimates of concern.

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