What closing costs should you expect?

There are certain typical costs associated with closing the sale of a house. These fees are commonly split between the buyer and seller, as instructed 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 show you through the process.

Closing costs that are loan-related    (More information)

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

Taxes you may be responsible for at closing    (More information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (More information)

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

Sellers: As we negotiate your transaction, not only will I work to get the optimal sales price, but I'll also advocate for reduced closing costs. And once we've come to an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for.

Buyers: If you are buying a home in Hill County, you will be given a "Loan Estimate" (LE) of closing costs within three days of submitting your loan application. The estimate is based on the loan officer's past experiences and is required to be within a reasonable range so you're not shocked when you reach the closing appointment. I'll be happy to look through the LE with you, answering your questions and highlighting any estimates that seem questionable.