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Who Pays for What?

wdt_ID SALE PRICE TYPICAL COST WHO PAYS?
1 COMMISSION 6% of PURCHASE PRICE SELLER
2 APPRAISAL $250-$500 BUYER
3 CREDIT REPORT $30-$75 PER BORROWER BUYER
4 INSPECTION FEE $350+/VISIT BUYER
5 LENDER-DIRECT UNDERWRITING FEE $750-$1,000 BUYER
6 PROCESSING FEE $150 BUYER
7 FLOOD CERTIFICATE $50-$100 BUYER
8 TAX SERVICE $85-$200 BUYER
9 ATTORNEY FEE $600-$1,000+ BOTH
10 SETTLEMENT CLOSING $250-$1,000 BUYER
11 TITLE INSURANCE (BUYER) $250-$1,000 BUYER
12 TITLE INSURANCE (SELLER) $300-$2,000 SELLER
13 RECORDING FEE $75-$250 BOTH
14 STATE TRANSFER TAX $1.50 PER $1,000 SELLER
15 COUNTY/CITY TRANSFER TAX $3.00 PER $1,000 SELLER
16 CHICAGO CITY TRANSFER TAX* $7.50 PER $1,000 BUYER
17 SURVEY $500 - $1,000 SELLER
18 INTEREST PER DAY LOAN AMOUNT X RATE/365 BUYER
19 ESCROW TAXES 1-5 MOS. (IF APPLICABLE) BUYER
20 ESCROW INSURANCE 1-5 MOS. (IF APPLICABLE) BUYER
21 TAX PRORATION 105-110% OF LAST TAX BILL SELLER

TAX PRORATION SELLER ESTIMATED CLOSING COSTS COURTESY OF PROPER RATE®. Prices subject to change. Actual costs vary per lender, loan amount, property type and other factors.

*Property transfer taxes vary per local jurisdiction or township. Please consult your real estate attorney to obtain the best possible estimate for taxes and other closing costs.

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  • Kim Brychel, Broker | ChicagoHome Brokerage Network at @properties
    Kim Brychel, Broker
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    Colette Adams, Broker
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    Laura Kelly, Broker
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    Alison Pepera, Broker
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    Kristin Thompson, Broker
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    James Konrath, Broker
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    Carrie Madej, Broker
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    Laura Rube, Broker
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