There are certain basic fees linked to closing the sale of a house. These costs are usually split between the buyer and seller, as directed in the sales contract. Many are customary, but there are nuances to each, so you'll want a real estate expert in Florida to help lead you through your deal. ## Costs pertaining to your loan to be paid at closing [(More information)](https://www.delphi-realty.com/Loan-RelatedClosingCosts) - Points (optional) - Appraisal Fee - Credit Report - Interest Payment - Escrow Account ## Taxes commonly paid at closing [(More information)](https://www.delphi-realty.com/TaxClosingCosts) - Property Taxes - Transfer Taxes and Recording Fees ## At closing, these fees are often due [(More information)](https://www.delphi-realty.com/InsuranceClosingCosts) - Homeowners Insurance - Flood or Quake Insurance (optional) - Private Mortgage Insurance (PMI) (optional) - Title Insurance **Sellers:** As we hammer out your sale, I'll not only work to get the optimal sales price, but I'll also push for reduced closing costs. And once we've come to an agreement, I'll describe in detail the closing costs so you are aware of exactly where your money is going. **Buyers:** If you're buying a home in Miami-Dade County, you'll 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 previous experience and is required to be within a suitable range so you're not startled when you come to the closing appointment. I'll be willing to look through the LE with you, answering your questions and highlighting any estimates of concern.