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Buyer closing costs

What your buyer actually needs at the table — closing costs plus the down payment. No sign-in, nothing captured.

The purchase

Purchase priceDown payment %City

Loan amount: $720,000 · Down payment: $180,000

Cash to close

$198,090

$180,000 down + $18,090 closing costs (2.0% of price)

Loan origination (0.75%)$5,400

Appraisal fee$650

Home inspection$500

Lender's title insurance (~$2 / $1,000 loan)$1,440

Escrow (buyer share, ~$1 / $1,000 price)$900

Recording fees$200

Prepaid: 12 months homeowner's insurance$3,375

Prepaid: 6 months property tax$5,625

Closing costs$18,090

Estimate only. Lender fees, escrow and title vary by provider; prepaid taxes and insurance depend on closing date and carrier. Excludes HOA transfer fees, home warranty, and any seller credits. Confirm with the lender's Loan Estimate before a buyer relies on it. Not tax or legal advice.

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