{"id":4066,"date":"2022-03-15T05:00:56","date_gmt":"2022-03-15T10:00:56","guid":{"rendered":"https:\/\/nwiloanguy.com\/blog\/dont-get-caught-off-guard-by-closing-costs\/"},"modified":"2022-03-15T05:00:56","modified_gmt":"2022-03-15T10:00:56","slug":"dont-get-caught-off-guard-by-closing-costs","status":"publish","type":"post","link":"https:\/\/nwiloanguy.com\/blog\/dont-get-caught-off-guard-by-closing-costs\/","title":{"rendered":"Don\u2019t Get Caught Off Guard by Closing Costs"},"content":{"rendered":"<p><img data-recalc-dims=\"1\" decoding=\"async\"  src=\"https:\/\/i0.wp.com\/files.simplifyingthemarket.com\/wp-content\/uploads\/2022\/03\/11143419\/20220321-KCM-Share-549x300.jpg?w=358&#038;ssl=1\" class=\"webfeedsFeaturedVisual wp-post-image\" alt=\"Don\u2019t Get Caught Off Guard by Closing Costs | Simplifying The Market\" loading=\"lazy\" style=\"margin-bottom: 5px;clear:both;max-width: 100%\" \/><\/p>\n<p>As a homebuyer, it\u2019s important to plan and budget for the expenses you\u2019ll encounter when you purchase a home. While most people understand the need to save for a <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/01\/03\/how-much-do-you-need-for-your-down-payment\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">down payment<\/a>, a recent <a href=\"https:\/\/www.rockethomes.com\/blog\/housing-market\/down-payment-keeping-americans-becoming-homeowners\" target=\"_blank\" rel=\"nofollow noopener\">survey<\/a> found 41% of homebuyers were surprised by their closing costs. Here\u2019s some information to help you get started so you\u2019re not caught off guard when it\u2019s time to close on your home.<span id=\"more-46155\"><\/span><\/p>\n<h4><strong>What Are Closing Costs?<\/strong><\/h4>\n<p>One possible reason some people are surprised by closing costs may be because they don\u2019t know what they are or what they cover. According to <a href=\"https:\/\/loans.usnews.com\/articles\/what-are-closing-costs\" target=\"_blank\" rel=\"nofollow noopener\"><em>U.S. News and World Report<\/em><\/a>:<\/p>\n<blockquote>\n<p><em>\u201cClosing costs encompass a variety of expenses above your property&#8217;s purchase price. They include things like lender fees, title insurance, government processing fees, upfront tax payments and homeowners insurance.\u201d<\/em><\/p>\n<\/blockquote>\n<p>In other words, your closing costs are a collection of fees and payments made to a variety of individuals and organizations who are involved with your transaction. According to <a href=\"https:\/\/myhome.freddiemac.com\/buying\/understanding-costs\" target=\"_blank\" rel=\"nofollow noopener\"><em>Freddie Mac<\/em><\/a>, while they can vary by location and situation, closing costs typically include:<\/p>\n<ul>\n<li>Government recording costs<\/li>\n<li>Appraisal fees<\/li>\n<li>Credit report fees<\/li>\n<li>Lender origination fees<\/li>\n<li>Title services<\/li>\n<li>Tax service fees<\/li>\n<li>Survey fees<\/li>\n<li>Attorney fees<\/li>\n<li>Underwriting Fees<\/li>\n<\/ul>\n<h4><strong>How Much Will You Need To Budget for Closing Costs?<\/strong><\/h4>\n<p>Understanding what closing costs include is important, but knowing what you\u2019ll need to budget to cover them is critical to achieving your <a href=\"https:\/\/www.simplifyingthemarket.com\/2022\/01\/07\/how-to-hit-your-homebuying-goals-this-year-infographic\/?a=375140-ca8522ad04357da9549c08492a932f70\" target=\"_blank\" rel=\"nofollow noopener\">homebuying goals<\/a>. According to the <em>Freddie Mac <\/em>article mentioned above<em>,<\/em> the costs to close are typically between 2% and 5% of the total purchase price of your home. With that in mind, here\u2019s how you can get an idea of what you\u2019ll need to cover your closing costs.<\/p>\n<p>Let\u2019s say you find a home you want to purchase for the <a href=\"https:\/\/www.nar.realtor\/research-and-statistics\" target=\"_blank\" rel=\"nofollow noopener\">median price<\/a> of $350,300. Based on the 2-5% <em>Freddie Mac<\/em> estimate, your closing fees could be between roughly $7,000 and $17,500.<\/p>\n<p>Keep in mind, if you\u2019re in the market for a home above or below this price range, your closing costs will be higher or lower.<\/p>\n<h4><strong>What\u2019s the Best Way To Make Sure You\u2019re Prepared at Closing Time?<\/strong><\/h4>\n<p><em>Freddie Mac<\/em> provides great advice for homebuyers, <a href=\"https:\/\/myhome.freddiemac.com\/buying\/understanding-costs\" target=\"_blank\" rel=\"nofollow noopener\">saying<\/a>:<\/p>\n<blockquote>\n<p>\u201c<em>As you start your homebuying journey, take the time to get a sense of all costs involved \u2013 from your down payment to closing costs<\/em>.\u201d<\/p>\n<\/blockquote>\n<p>The best way to understand what you\u2019ll need at the closing table is to work with a team of trusted real estate professionals. An agent can help connect you with a lender, and together they can provide you with answers to the questions you might have.<\/p>\n<h3><strong>Bottom Line<\/strong><\/h3>\n<p>In today\u2019s real estate market, it\u2019s more important than ever to make sure your budget includes any fees and payments due at closing. Let\u2019s connect so you have the knowledge you need to be confident going into the homebuying process.<\/p>\n<p>Source: New feed<\/p>\n","protected":false},"excerpt":{"rendered":"<p>As a homebuyer, it\u2019s important to plan and budget for the expenses you\u2019ll encounter when you purchase a home. While most people understand the need to save for a down payment, a recent survey found 41% of homebuyers were surprised by their closing costs. Here\u2019s some information to help you get started so you\u2019re not [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":4067,"comment_status":"false","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_10157519356927224_105287467588662":"","twitter_15771620_15771620":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[1],"tags":[54],"class_list":{"0":"post-4066","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-local-info","8":"tag-100-financing","9":"entry"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Don\u2019t Get Caught Off Guard by Closing Costs&#8212;NWI Loan Guy Blog<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/nwiloanguy.com\/blog\/dont-get-caught-off-guard-by-closing-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Don\u2019t Get Caught Off Guard by Closing Costs&#8212;NWI Loan Guy Blog\" \/>\n<meta property=\"og:description\" content=\"As a homebuyer, it\u2019s important to plan and budget for the expenses you\u2019ll encounter when you purchase a home. While most people understand the need to save for a down payment, a recent survey found 41% of homebuyers were surprised by their closing costs. 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