What are typical closing costs for a Home Buyer in San Diego?

There are two types of costs or expenses in an escrow: recurring costs and non-recurring costs.


Costs which the party  pays at closing but will continue to occur or be repeated after the escrow closes as a cost of maintaining the property such as:

  • Interest on the New Loan
  • Real Property Taxes
  • Homeowners’s Association Dues
  • Fire Insurance Premium


Costs which are charged ONE TIME ONLY as an expense of closing the transaction. Such as:

  • Escrow Fees
  • Notary Fees
  • Messenger Fees
  • Title Company Expense such as Title Insurance Premium, Endorsements to titles Polices, Sub-Escrow Fee which may be due to Title Company, Re-conveyance Fees, Documentary Transfer Tax.
  • Transfer or Document Fees to a Homeowner’s Association
  • In the case of a sale, Expenses such as Real Estate Broker Commissions, Fees For Property Disclosures or City Reports, Transaction Coordinator Fee, Home Warranty Premium.
  • Lender’s Cost such as, Appraisal, Credit Report, Loan Origination, Loan Processing, Documents Fees, Tax Service Contract.

Here is a sample of closing costs estimate for a Buyer who purchased a house for $1,315,000 with $715,000 mortgage. Total closing costs is about $10,000


Shirin Rezania Ramos | 858-345-0685 | www.DelMarValley.com | Lic. 02033796 | Compass

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