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The answer to “Who pays for what?” varies by state and county ordinances and standards of practice. Listed below are “customary” expenses that can be expected. All fees charged are governed by terms of the sales contract and other written escrow instructions. (Note: on some FHA, VA or other government-backed loans, governmental regulations dictate that certain fees are payable by a specific party.)

• Owners Title Insurance Premium
• Real estate commission
• HOA Disclosure Fee
  
• Escrow Fees (half)
• Notary fees
• Property tax proration (to date of acquisition)
• Special delivery/courier fees, if required
• Document preparation fees
• Document recording charges
• Homeowner’s Association transfer fee (negotiable) and prorata dues
• Home Warranty (or according to contract)
• Work/repairs required (according to contract)
• Matters of record attached to the property or seller (loans, tax liens, judgments, etc.) and fees required to clear them (statement fees, reconveyance/trustee fees and prepayment penalties)
• Bonds and assessments (according to contract)

• Title insurance policy premiums (lender’s and buyer’s if applicable)
• Escrow fees (half)
• Notary fees
• Property tax proration (from acquisition date)
• Special delivery/courier fees, if required
• Document preparation fees
• Document recording charges
• Homeowner’s Association transfer fee and reserve fee (negotiable) and prorata dues
• City expenses
• Home Warranty (or according to contract)
• Inspection fees (according to contract)
• Matters of record against the buyer including tax liens, judgments and fees required to clear them
• Fire insurance premium for the first year
• Assumption/change of records fees if the buyer is taking over an existing loan
• Lender’s new loan charges and fees
• Interest on new loan from date of funding to 30 days prior to the first payment
• Other prorations (rents, insurance etc.) if applicable