Closing Cost Checklist
Common Charges Date Estimate Cost Comments
Earnest money or deposit   $ $  
Interest points charged by the lender   $ $  
Loan assumption fee   $ $  
Loan origination or discount fees   $ $  
Prepaid mortgage insurance   $ $  
Credit Report   $ $  
Appraisal   $ $  
Property survey   $ $  
Initial mortgage payment   $ $  
Inspections of property   $ $  
Recording fees   $ $  
Prepaid homeowner's insurance for first year   $ $  
Prorated property taxes   $ $  
Attorney's fees   $ $  
Title Search and insurance   $ $  
State and local closing taxes and fees   $ $  
Down payment (down payment less earnest money paid)   $ $  
Prorated maintenance for remainder of month (condos,co-ops)   $ $  
Other closing costs   $ $  
Amount needed at closing   $ $  

 

Preparing For Closing
Hire an attorney.

Make financial arrangements (mortgage, transfer funds, etc).

Purchase homeowner's insurance.

Have property surveyed unless mortgage lender has arranged this.

 Arrange for termite or other inspection

Know your closing costs (see RESPA statement).

Make a final walk-through.

Have bank check prepared for closing, as requires.

Make sure deed is recorded after closing.

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