Who Pays What?

The Seller Will Generally be Expected to Pay For:

  • Real Estate Commission
  • Title and Escrow Fees
  • Document preparation fee for Deed
  • Document recording charges that effect the seller
  • County Transfer Tax ($1.10 per $1,000 of sales price) This varies with county and city
  • Any loan fees required by buyer’s lender
  • Notary fees – Sellers Documents
  • Termite inspection and repairs according to contract
  • Any city transfer/reconveyance tax
  • Special delivery/courier fees
  • Payoff of all loans in seller’s name
  • Interest accrued to old lender, Statement Fees, Reconveyance Fees and any prepayment penalties
  • Homeowner’s association transfer fee and prorate dues (negotiable)
  • Bonds of assessments according to contract
  • Home warranty according to the contract
  • All delinquent taxes
  • Any judgments, tax liens, etc. against the seller
  • Tax proration
  • Recording charges to clear all documents of record against seller

The Buyer Will Generally Be Expected to Pay For:

  • Title insurance premium covering loan policy (ALTA)
  • Notary Fees – Buyer Documents
  • Document preparation fees – Buyer Documents
  • Tax proration
  • Inspection fees (roofing, geological, property, etc.)
  • Homeowner’s transfer fees
  • Special delivery/courier fees
  • All new loan charges (except those required by the lender for the seller to pay)
  • Interest on new loan from date of funding to 30 days prior to first payment date
  • Fire insurance premium for the first year
  • City transfer/reconveyance tax according to the contract
  • Preliminary change of ownership fee
  • Assumption/change of records fees for takeover of existing loan
  • Beneficiary statement fee for assumption of existing loan
  • Other proration if applicable

The above items are negotiable between buyer and seller, as agreed upon in your individual sales contract. This is for informational purposes only and reflects typical charges.

"We are big enough to make a positive difference in each transaction, but small enough to never lose sight of the fact that everything is about you."



Fernando de la Rosa, President
11707 Fair Oaks Blvd., Suite 300
Fair Oaks, CA 95628

(916) 965-3300 Office

(800) 965-3301 Toll Free

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Area Information

  • Sacramento County
  • Placer County
  • El Dorado County
  • Yolo County
  • Stanislaus County
  • San Joaquin County