Don't Forget Closing Costs

There are certain standard costs related to closing the sale of a house. Sellers and buyers almost always share these closing costs, as specified in the real estate sales contract.

As you'll see below, many of the costs result from getting your mortgage loan. At Ward Kilduff Mortgage, we are highly experienced in mortgage lending, so we can compile a comprehensive report on mortgage-related closing costs in your "Loan Estimate".

Loan Estimates (LEs)

Very shortly after you submit your application, we'll provide you with the "Loan Estimate" of your closing costs. The closing costs spelled out in the LE are estimated based on Ward Kilduff Mortgage's experience with mortgage loans, but costs usually vary by small amounts between delivery of the LE and closing. We field questions about these costs every day at Ward Kilduff Mortgage, so please feel free to ask if we can help answer your questions.

Below is a general list of closing costs. We will provide a specific list of your closing costs when we provide your Loan Estimate.

Standard Closing Costs

Loan-Related Costs
  • Pulling YourCredit Report
  • Up-front Interest Payment
  • Escrow Fees
  • Taxes
  • Loan-related costs
  • Points — lower your interest rate (optional)
  • Appraisal Costs
Property Taxes
  • Transfer Taxes and Recording Fees
  • Insurance
Homeowners Insurance
  • Flood / Quake Insurance
  • Private Mortgage Insurance (PMI)
  • Title Insurance

Ward Kilduff Mortgage can help you understand closing costs. Give us a call: (860) 658-7100.

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