Anticipated closing costs

There are certain normal expenses related to closing the sale of a house. These fees are usually 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 transaction.

Closing costs that are loan-related    (More information)

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

At closing, the following taxes are usually collected    (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 deal, I'll not only work to get the highest sales price, but I'll also push for reduced closing costs. And once we've reached an agreement, I'll fully clarify the closing costs so you are aware of exactly what you're paying for.

Buyers: If you're purchasing real estate 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 startled when you show up at closing time. I'll be happy to go through the LE with you, answering your questions and highlighting any estimates that seem unusual.