Expected closing costs

There are certain standard expenses associated with closing the sale of a house. These expenses are often split between the buyer and seller, as noted in the sales contract. Many are conventional, but there are nuances to each, so you'll want a real estate expert in Montana to help lead you through your deal.

Loan-related closing costs    (Click here for more information)

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

At closing, the following taxes are usually paid    (Click here for more information)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Click here for more information)

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

Sellers: As we negotiate your sale, not only will I work to get the very best sales price, but I'll also push 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: If you're buying a home 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 a suitable range so you're not surprised when you arrive at the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates that are uncertain.