Closing costs you should expect

There are certain standard fees related to closing the sale of a house. These costs are usually divided 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    (Details)

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

At closing, these taxes are usually collected    (Details)

  • Property Taxes
  • Transfer Taxes and Recording Fees

At closing, these fees are often due    (Details)

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

Sellers: As we negotiate your sale, I'll not only work to get the optimal sales price, but I'll also campaign for limited closing costs. And once we've reached an agreement, I'll fully explain the closing costs so you know exactly what you're paying for.

Buyers: If you are 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 a suitable range so you're not surprised 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 off.