What closing costs should you expect?

There are certain expected costs associated with closing the sale of a house. These expenses are usually split between the buyer and seller, as spelled out in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Montana to help lead you through your process.

Closing costs that are tied to financing    (Learn more)

  • Points (optional)
  • Appraisal Fee
  • Credit Report
  • Interest Payment
  • Escrow Account

Taxes commonly paid at closing    (Learn more)

  • Property Taxes
  • Transfer Taxes and Recording Fees

Insurance fees due at closing    (Learn more)

  • Homeowners Insurance
  • Flood or Quake Insurance (optional)
  • Private Mortgage Insurance (PMI) (optional)
  • Title Insurance

Sellers: As we negotiate your deal, not only will I work to get the highest sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll walk you through the closing costs so you are aware of exactly where your money is going.

Buyers: When purchasing a house in Hill County, you'll receive a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's prior experience and is required to be within an acceptable range so you're not surprised when you show up at the closing table. I'll be glad to go through the LE with you, answering your questions and highlighting any estimates that seem unusual.